<SEC-DOCUMENT>0001086888-20-000064.txt : 20200805
<SEC-HEADER>0001086888-20-000064.hdr.sgml : 20200805
<ACCEPTANCE-DATETIME>20200805170348
ACCESSION NUMBER:		0001086888-20-000064
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20200805
FILED AS OF DATE:		20200805
DATE AS OF CHANGE:		20200805

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:		201078450

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

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>form6-k.htm
<DESCRIPTION>FORM6-K-2QNRS-5AUG2020
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    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', serif; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', serif; font-size: 14pt; font-weight: bold;">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>
    <div style="line-height: 15.95pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">Form 6-K</div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <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', serif;">FOREIGN</font> PRIVATE ISSUER
      PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', serif;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 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>August, 2020</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="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;"><font style="font-size: 16pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(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', 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', 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', 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', serif; font-size: 12pt; font-weight: bold;">(416) 926&#8209;3000</div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;">(Address of principal executive office)</div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </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;">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>
    <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 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
      to the Commission pursuant to Rule 12g3-2(b) under the 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;">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; color: #000000; 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
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
          </td>
          <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; second quarter results dated August 5, 2020</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 August 5, 2020</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
      on its behalf by the undersigned, thereunto duly authorized.</div>
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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>
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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; <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; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Kay Song</font></div>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
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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; <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; August 5, 2020</div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
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    <div style="text-align: center; line-height: 13.7pt; color: #000000; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT INDEX</div>
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          <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>
          </td>
          <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; second quarter results dated August 5, 2020</div>
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          <td style="width: 86.83%; vertical-align: top;">
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    <div style="line-height: 29.65pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<br>
      Release</div>
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    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">August 5, 2020</div>
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            <div style="line-height: 10.25pt; margin-bottom: 3pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;"><font style="color: #1C1C1C;">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 Second Quarter 2020 Report to Shareholders, including our unaudited Interim Consolidated Financial Statements for the three and six months ended June 30, 2020, prepared in accordance with International
                Financial Reporting Standards (&#8220;IFRS&#8221;) as issued by the International Accounting Standards Board (&#8220;IASB&#8221;), which are available on our website at </font><u>www.manulife.com/en/investors/results-and-reports</u>. <font style="color: #1C1C1C;">Additional information relating to the Company is available on the SEDAR website at </font><u>http://www.sedar.com</u><font style="color: #1C1C1C;"> and on the U.S. Securities and Exchange Commission's (&#8220;SEC&#8221;) website at </font><u>http://www.sec.gov</u><font style="font-family: 'Times New Roman', serif; color: #1C1C1C;">.</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;">Manulife reports 2Q20 net income of $0.7 billion, core earnings of $1.6 billion, a
      strong LICAT capital ratio of 155%, and an expense efficiency ratio of 48.9%</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 2Q20 results. Key highlights include:</div>
    <div>
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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 2Q20, down $0.7 billion from 2Q19</div>
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              <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 $1.6 billion in 2Q20, up 5%<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> from 2Q19</div>
            </td>
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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;">Strong LICAT ratio<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> of 155%</div>
            </td>
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            </td>
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              <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 12.2% and ROE of 5.5% in 2Q20</div>
            </td>
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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;">NBV<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $384 million in 2Q20, down 22% from 2Q19</div>
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      <table cellspacing="0" cellpadding="0" id="z8124b32fec0742f794d5559d0cab79c3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;">

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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;">APE sales<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.2 billion in 2Q20, down 15% from 2Q19</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;">WAM net inflows<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $5.1 billion in 2Q20 compared with neutral net flows in
                2Q19</div>
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      <table cellspacing="0" cellpadding="0" id="z814e9439d9ba4e06890f7b27a5106b29" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 6pt; width: 100%; text-align: left; color: #000000;">

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              <div style="line-height: 12.55pt; margin-bottom: 6pt; font-size: 11pt;">&#9726;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of 48.9% in 2Q20, a favourable decline of 3.6 percentage points from 2Q19</div>
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    </div>
    <div style="line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;In the face of ongoing uncertainty brought on by the COVID-19 pandemic, our teams across the globe continued to support
      the evolving needs of our customers, employees, and communities throughout a challenging second quarter. We&#8217;ve made meaningful investments over the last few years in Manulife&#8217;s digital transformation and the strong digital capabilities that we have
      in place, coupled with the accelerated rollouts of digital tools and platforms, have enabled us to continue to provide quality service to our existing customers and to those seeking to purchase our products,&#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;I am confident that Manulife is well positioned to navigate this challenging new environment. Our balance sheet and
      capital levels remain strong, we continue to make solid progress against our five priorities<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> and we delivered solid core earnings of $1.6 billion, up 5% from the prior year quarter amid a
      challenging operating environment, which highlights the diversity and resilience of our businesses,&#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 Global Wealth and Asset Management business generated net
      inflows of $5.1 billion, driven by positive contributions from our institutional business. New business value in our insurance segments was affected by COVID-19 related impacts; however we saw positive momentum in Asia APE sales in the final month of
      the quarter which is encouraging.&#8221;</div>
    <br>
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    <table cellspacing="0" cellpadding="0" id="z9f8636cb7ec843328b12d6427defe62b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <td style="width: 18pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;"><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, net flows and expense
              efficiency ratio are non-GAAP measures. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our Second Quarter 2020 Management&#8217;s Discussion and Analysis (&#8220;2Q20 MD&amp;A&#8221;) for additional information.</div>
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    <table cellspacing="0" cellpadding="0" id="zbaf1edfe67694e6e9d10930f211a178b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <td style="width: 17.3pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;"><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 2Q20 MD&amp;A for additional information.</div>
          </td>
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    </table>
    <table cellspacing="0" cellpadding="0" id="zcde16bed99d34a95a3271ca397730433" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <td style="width: 18pt; vertical-align: top; font-size: 8pt; font-family: 'Arial Narrow','sans-serif';"><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>
          </td>
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    </table>
    <table cellspacing="0" cellpadding="0" id="z2a24337791104d5da1559af8398bd893" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt;">

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          <td style="width: 18pt; vertical-align: top; font-size: 8pt; font-family: 'Arial Narrow','sans-serif';"><sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;">Our strategic priorities include Portfolio Optimization, Expense Efficiency, Accelerate Growth, Digital Customer Leader and High Performing Team.&#160;For more information,
              please refer to &#8220;Strategic priorities progress update&#8221; in our 2019 Annual Report.</div>
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    </table>
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          <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
        </div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">1</font></div>
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    <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;Expense discipline is of even greater importance in the challenging operating conditions that we face and, by reducing core general expenses
      by 5% versus the prior year quarter, we delivered a 3.6 percentage point improvement in our expense efficiency ratio. Our expense efficiency program continues to progress well, and I am pleased to report that we expect to achieve our target of $1
      billion of expense efficiencies by the end of 2020, two years ahead of schedule<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>,&#8221; added Mr. Witherington.</div>
    <div style="margin-right: 12.95pt; line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; color: #000000; 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;">In 2Q20, we continued to leverage and enhance our digital capabilities, benefiting efforts to support our customers during the COVID-19
      pandemic. In Asia, we furthered our commitment to digital enhancements and expanded our distribution capabilities, with approximately 97%<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> of our product shelf now accessible to customers through
      non-face-to-face solutions<font style="font-family: 'Times New Roman', serif;">.</font> In addition, we continued to expand our agency force, growing our number of agents by 35% year-over-year.<font style="font-family: Calibri, sans-serif;">&#160;</font>In



      Canada, we continued to improve the client experience, with approximately 97% of our product shelf accessible to customers virtually. We also expanded our partnership with Akira Health to provide a broader range of online medical services to our
      insurance clients to better support their health and wellness. In the U.S., approximately 80% of our product shelf is available to customers through virtual solutions. We launched JH eApp, a digital new business platform to simplify and accelerate
      the life insurance purchase experience and also launched a new, fully underwritten term life product which enables customers to purchase up to US$1 million in life insurance coverage digitally. In our Global Wealth and Asset Management business, we
      launched a new retirement planner tool in the U.S. to deliver an innovative and engaging way for customers to visualize and plan for their retirement. We also completed the formation of our previously announced joint venture with Mahindra Finance in
      India<font style="font-family: 'Times New Roman', serif;">.</font></div>
    <div style="line-height: 12.55pt; margin-top: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">FINANCIAL HIGHLIGHTS:</div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;" id="z8d187e7c549e456889b9a78ec0be9710">

        <tr>
          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <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" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="6">
            <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" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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: -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>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2Q20</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2Q19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2020</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2019</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">727</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,475</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,023</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3,651</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,561</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,452</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,589</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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 ($)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">0.35</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">0.73</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1.00</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1.81</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Diluted core earnings per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">0.78</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Times New Roman', serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;"><font style="font-family: 'Arial Narrow','sans-serif';">0</font>.72</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1.29</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1.48</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">5.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">12.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">7.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">16.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">12.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">12.7</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">10.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">13.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">48.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">52.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">53.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">51.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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; font-weight: bold;">Performance:</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">298</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">364</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">654</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">775</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">46</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">65</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">123</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">127</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">40</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">50</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">76</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">96</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">384</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">479</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">853</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">998</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">784</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">915</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,868</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2,251</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">238</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">290</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">614</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">551</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">154</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">154</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">295</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">297</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,176</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,359</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,777</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3,099</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">5.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow','sans-serif';">0.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">8.3</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(1.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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-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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">33.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">25.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">71.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">53.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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</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;">&#160;&#160; ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">696.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">653.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">696.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">653.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">155</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">144</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">155</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">144</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">26.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.0</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">26.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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 ($)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">25.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">22.89</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">25.14</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">22.89</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Book value per common share excluding AOCI ($)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">20.36</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">19.52</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">20.36</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">19.52</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z1754316b014c4cfcac509d004d9145cd" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-top: 2pt;">

        <tr>
          <td style="width: 18pt; vertical-align: top;"><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 2Q20 MD&amp;A for additional information.</div>
          </td>
        </tr>

    </table>
    <br>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
    <table cellspacing="0" cellpadding="0" id="z5afc2cbf969c4749a388e56988c3434c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <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><br>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;">See &#8220;Caution regarding forward-looking statements&#8221; below.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z407e89716261452f9a4a221ef783df00" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <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;">2</sup><br>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;">This represents the percentage of 2019 APE sales that are currently available for sale via non-face-to-face methods.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
    </div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
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          </div>
          <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
        </div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">2</font></div>
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; color: #000000; 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 2Q20, down $0.7 billion from 2Q19</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Net income attributed to shareholders includes 2Q20 core earnings, as well as charges from investment-related experience
      and the direct impact of interest rates, driven by the narrowing corporate spreads and the steepening of the yield curve in the U.S., partially offset by gains from the sale of available-for-sale (&#8220;AFS&#8221;) bonds held in Corporate and Other, and gains
      from the direct impact of equity markets and variable annuity guarantee liabilities from a global equity market rebound. Investment-related experience in 2Q20 reflected lower-than-expected returns (including fair value changes) on our alternative
      long-duration asset (&#8220;ALDA&#8221;) portfolio, including private equities, real estate and oil and gas.</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">Achieved core earnings of $1.6 billion in 2Q20, an increase of 5% compared with 2Q19</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="color: #000000;">The increase in core earnings in 2Q20 compared with 2Q19 </font><font style="color: #000000;">was driven by
        favourable policyholder experience, </font>the favourable impact of markets on seed money investments in segregated funds and mutual funds, and the impact of in-force business growth in Asia. These items were partially offset by the absence of
      core investment gains<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> in the quarter (compared with gains in the prior year quarter), lower new business volumes, primarily due to lower levels of activity related to COVID-19, and lower investment
      income in Corporate and Other.</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">Estimate a third quarter of 2020 (&#8220;3Q20&#8221;) post-tax charge of approximately $200
      million for the annual review of actuarial methods and assumptions</div>
    <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">In 3Q20, we will complete our annual review of actuarial methods and assumptions. While this review is not complete, preliminary
      indications suggest that there will be a net post-tax charge to net income attributed to shareholders of approximately $200 million in 3Q20.<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> Assumptions being reviewed this year include lapse
      assumptions for Canada and Japan life insurance, certain mortality assumptions in all segments, a complete review of our Canada variable annuities assumptions, as well as certain methodology refinements.</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">BUSINESS PERFORMANCE:</div>
    <div style="margin-right: 21.6pt; line-height: 12.55pt; margin-top: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">New business value (&#8220;NBV&#8221;) of $384 million in 2Q20, a decrease of 22% compared with
      2Q19</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">In Asia, NBV decreased 21% to $298 million primarily due to a decrease in APE sales in Hong Kong, Japan and Asia Other<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup><sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;"></sup> and a decline in interest rates in Hong Kong, partially offset by a more favourable business mix in Asia Other. In Canada, NBV of $46 million was down 29% from 2Q19, primarily due to lower sales
      volumes. In the U.S., NBV of $40 million was down 22% from 2Q19, primarily due to the impact of lower interest rates and lower sales due to COVID-19.</div>
    <div style="line-height: 12.55pt; margin-top: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">Annualized premium equivalent (&#8220;APE&#8221;) sales of $1.2 billion in 2Q20, a decrease of 15% compared with 2Q19</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">In Asia, APE sales decreased 17% mainly due to the adverse impact of COVID-19. Sales improved in the latter part of the
      quarter following the relaxation of some containment measures in certain markets in Asia. As a result, APE sales in June 2020 increased 4% compared with the same period of 2019. Hong Kong APE sales decreased 8% driven by lower sales to mainland
      Chinese visitors due to COVID-19 travel restrictions, partially offset by an increase in demand from local customers. Japan APE sales decreased 18% due to a nationwide COVID-19 state of emergency in April and May, which restricted the mobility of our
      distributors and customers. Asia Other APE sales decreased 21% as COVID-19 containment measures were imposed across numerous markets, partially offset by an increase in sales in mainland China and Vietnam, where COVID-19 containment measures were
      gradually relaxed during 2Q20. In Canada, APE sales decreased 18% primarily driven by variability in the large-case group insurance market. In the U.S., APE sales declined 3% compared with the prior year quarter due to the net impact of COVID-19.</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 Global Wealth and Asset Management net inflows of $5.1 billion in 2Q20, compared with
      neutral net flows in 2Q19</div>
    <div style="line-height: 12.55pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Arial Narrow','sans-serif'; color: rgb(0, 0, 0);">Net inflows in Asia were neutral in 2Q20, compared with net inflows of $1.7
        billion in 2Q19, driven by higher redemptions of retail funds in mainland China and higher redemptions in institutional asset management. Net inflows in Canada were $8.4 billion in 2Q20 compared with net inflows of $0.1 billion in 2Q19, reflecting
        the funding of a $6.9 billion mandate from a new institutional client</font><font style="font-family: 'Arial Narrow','sans-serif';"> and the non-recurrence of a large-case retirement plan redemption in 2Q19. <font style="color: rgb(0, 0, 0);">Net
          outflows in the U.S. were $3.3 billion in 2Q20 compared with net outflows of $1.8 billion in 2Q19, driven by outflows in retirement, from the redemption of a large-case plan, and outflows in retail, from portfolio rebalancing by several large
          advisors. These outflows were partially offset by lower institutional redemptions.</font></font></div>
    <br>
    <br>
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    <table cellspacing="0" cellpadding="0" id="zef39d8a49ea14c5d8c0971c9ed710244" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <td style="width: 18pt; vertical-align: top; font-size: 8pt; font-family: 'Arial Narrow','sans-serif';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup><br>
          </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 "Performance and non-GAAP measures&#8221; below and in our 2Q20 MD&amp;A for additional information.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="ze235bee39ec74c45913777f7ff0ae47f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;">

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          <td style="width: 18pt; vertical-align: top; font-size: 8pt; font-family: 'Arial Narrow','sans-serif';"><sup style="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;">See &#8220;Caution regarding forward-looking statements&#8221; below.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="ze4cacf99746f4881bb41f702d84ad3ea" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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          <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;">3</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">Asia Other excludes Hong Kong and Japan.</div>
          </td>
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          <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
        </div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
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    <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; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Manulife Financial Corporation will host a Second Quarter Earnings Results Conference Call at 8:00 a.m. ET on August 6,
      2020. For local and international locations, please call 416-406-0743 or toll free, North America 1-800-898-3989 (Passcode: 4952519#). Please call in 15 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 August 6, 2020 through November 6, 2020 by calling 905-694-9451 or 1-800-408-3053 (passcode: 3258921#).</div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="color: #000000;">The conference call will also be webcast through Manulife&#8217;s website at 8:00 a.m. ET on August 6, 2020. You
        may access the webcast at: </font><u>manulife.com/en/investors/results-and-reports</u><font style="color: #000000;">. 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="color: #000000;">The Second Quarter 2020 Statistical Information Package is also available on the Manulife
        website at:</font>&#160;<u>www.manulife.com/en/investors/results-and-reports</u>.</div>
    <br>
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              <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; color: rgb(0, 0, 0); font-family: 'Arial Narrow',sans-serif; font-size: 11pt;"><u>brooke_tucker-reid@manulife.com</u></div>
              <div style="line-height: 12.55pt;"><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="margin-right: 4.5pt; 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;"><u>adrienne_oneill@manulife.com</u></div>
            </td>
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    <div style="line-height: 12.55pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><u> <br>
        </u></font></div>
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        </u></font></div>
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        </u></font></div>
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        </u></font></div>
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        </u></font></div>
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        </u></font></div>
    <div style="line-height: 12.55pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><u> <br>
        </u></font></div>
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          <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
        </div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
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    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2Q19</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2019</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <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</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">238</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">250</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">242</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">488</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
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          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">475</font></div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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;">Asia</div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">489</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">491</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">471</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">980</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">991</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <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>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">342</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">237</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">312</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">579</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">595</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
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          <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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">602</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">416</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">441</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,018</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">916</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(110</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(366</div>
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          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
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          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(114</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(476</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(177</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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;">(1)</sup></div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">200</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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; font-weight: bold;">Total core earnings</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,561</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,028</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,452</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,589</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">3,000</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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: -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>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Investment-related experience outside of core earnings</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(916</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(608</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">146</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(1,524</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">473</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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: 3.6pt; 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 variable annuity guarantee liabilities</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">73</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">792</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(144</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">865</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">105</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="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: 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" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">12</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">63</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">115</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%;" colspan="1">&#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: -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" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">72</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
          </td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">72</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(42</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="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="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Net income attributed to shareholders</div>
          </td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">727</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,296</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,475</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" 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);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,023</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">
            <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">3,651</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);" colspan="1">&#160;</td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" id="z21e08d403a6a43c78d66119dba1efaa7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 2pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;">

          <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="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 2Q20 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; core general expenses; expense efficiency ratio; APE sales; new business value; gross flows; net flows; assets under management and administration; average 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 Second Quarter 2020 MD&amp;A and 2019 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="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>
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          </div>
          <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
        </div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="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 business continuity plans
      and measures implemented in response to the COVID-19 pandemic and its expected impact on our businesses, operations, earnings and results, our expense efficiency program and the completion of our annual review of actuarial methods and assumptions,
      and also relate to, among other things, our objectives, goals, strategies, intentions, plans, beliefs, expectations and estimates, and can generally be identified by the use of words such as &#8220;may&#8221;, &#8220;will&#8221;, &#8220;could&#8221;, &#8220;should&#8221;, &#8220;would&#8221;, &#8220;likely&#8221;,
      &#8220;suspect&#8221;, &#8220;outlook&#8221;, &#8220;expect&#8221;, &#8220;intend&#8221;, &#8220;estimate&#8221;, &#8220;anticipate&#8221;, &#8220;believe&#8221;, &#8220;plan&#8221;, &#8220;forecast&#8221;, &#8220;objective&#8221;, &#8220;seek&#8221;, &#8220;aim&#8221;, &#8220;continue&#8221;, &#8220;goal&#8221;, &#8220;restore&#8221;, &#8220;embark&#8221; and &#8220;endeavour&#8221; (or the negative thereof) and words and expressions of similar
      import, and include statements concerning possible or assumed future results. Although we believe that the expectations reflected in such forward-looking statements are reasonable, such statements involve risks and uncertainties, and undue reliance
      should not be placed on such statements and they should not be interpreted as confirming market or analysts&#8217; expectations in any way.</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); the severity, duration and spread of the COVID-19 outbreak, as well as actions that have been or may be taken by governmental authorities to contain COVID-19 or to treat its impact; 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 Actuarial and Accounting 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 Actuarial and Accounting 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>
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        <div style="line-height: 0pt;"><br style="line-height: 0pt;">
        </div>
        <div style="line-height: 10.25pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 9pt;">August 5, 2020 &#8211; Press Release Reporting Second Quarter Results</div>
      </div>
    </div>
  </div>
  <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>exhibit99-2.htm
<DESCRIPTION>EX99-2-NR-COMDIV-5AUG2020
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Manulife Financial Corporation
         Document created using EDGARfilings PROfile 7.0.1.0
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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>
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    <div id="DSPFPageHeader">
      <div style="line-height: 12.55pt;"><img width="136" height="23" src="image0.jpg"></div>
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    </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', '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', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">C$ unless otherwise stated</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 288pt">&#160;</font><font style="font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">TSX/NYSE/PSE: MFC&#160; &#160;&#160; SEHK: 945<br>
        For Immediate Release<br>
        August 5, 2020</font></div>
    <div style="line-height: 23.3pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 12.5pt; font-weight: bold;"><br>
      <font style="font-size: 14pt;">Manulife declares common share dividend</font></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', 'Manulife JH Sans', sans-serif; font-size: 11pt;"><font style="font-weight: bold;">Toronto</font>
      -<font style="font-size: 9pt;">&#160;</font>Manulife&#8217;s Board of Directors today announced a quarterly shareholders&#8217; dividend of $0.28 per share on the common shares of Manulife Financial
      Corporation (the &#8220;Company&#8221;), payable on and after September<font style="font-family: Calibri, sans-serif;">&#160;</font>21, 2020 to shareholders of record at the close of business on August<font style="font-family: Calibri, sans-serif;">&#160;</font>17, 2020<font style="font-family: 'Times New Roman', serif;">.</font></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', '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 purchase common shares on the open market in connection with the reinvestment of dividends and optional cash purchases under these plans. <font style="background-color: #FFFFFF; color: #000000;">The purchase price of these common shares will be based on the average of the actual cost to purchase them and there are no applicable discounts.</font></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', '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, Canada, 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, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2019, we had more than 35,000
      employees, over 98,000 agents, and thousands of distribution partners, serving almost 30 million customers. As of June 3<font style="font-family: 'Times New Roman', serif;">0</font>, 2020, we had $1.2 trillion (US$0.9 trillion) in
      assets under management and administration, and in the previous 12 months we made $30<font style="font-family: 'Times New Roman', serif;">.</font>6 billion in payments to our customers. Our principal operations are in Asia, Canada
      and the United States where we have served customers for more than 155 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: 12.55pt;"><br style="line-height: 12.55pt;">
    </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>
    <table cellspacing="0" cellpadding="0" id="z41d05f928a064ba686f02b0a8bb75bb9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans Demibold', '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', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Brooke Tucker-Reid</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">647-528-9601</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">brooke_tucker-reid@manulife.com</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"> <br>
            </div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans Demibold', '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', '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', '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', 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">adrienne_oneill@manulife.com</div>
          </td>
        </tr>

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