<SEC-DOCUMENT>0001086888-20-000078.txt : 20201112
<SEC-HEADER>0001086888-20-000078.hdr.sgml : 20201112
<ACCEPTANCE-DATETIME>20201112060546
ACCESSION NUMBER:		0001086888-20-000078
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20201111
FILED AS OF DATE:		20201112
DATE AS OF CHANGE:		20201112

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:		201302900

	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
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<DESCRIPTION>FORM6-K-3Q-NRS-11NOV2020
<TEXT>
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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
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; 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>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">REPORT OF <font style="font-family: 'Times New Roman Bold', 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>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <u>November, 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="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="text-align: justify; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Form 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; color: #000000; font-family: 'Times New Roman', serif; font-size: 11pt;">Description of Exhibit</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; third quarter results dated November 11, 2020</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated November 11, 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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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
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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: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#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;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Assistant Corporate Secretary</font></div>
            <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;"> <br>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; November 11, 2020</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: 13.17%; vertical-align: top;">&#160;</td>
          <td style="width: 86.83%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
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          <td style="width: 86.83%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; third quarter results dated November 11, 2020</div>
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<TYPE>EX-99.1
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<DESCRIPTION>EXHIBIT99-1-3Q-RESULTS-11NOV2020
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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 Third Quarter 2020 Report to Shareholders, including our unaudited Interim Consolidated Financial Statements for the three and nine months ended September 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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  <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 3Q20 net income of $2.1 billion, core earnings of $1.5 billion, APE
    sales of $1.4 billion, and a strong LICAT capital ratio of 155%</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 3Q20 results. Key highlights include:</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 $2.1 billion in 3Q20, up $1.3 billion from 3Q19</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 $1.5 billion in 3Q20, down 6%<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> from 3Q19</div>
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            <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>
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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 11.4% and ROE of 16.4% in 3Q20</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 $460 million in 3Q20, down 14% from 3Q19</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 $1.4 billion in 3Q20, down 2% from 3Q19</div>
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            <div style="line-height: 12.55pt; margin-bottom: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Global WAM net outflows<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $2.2 billion in 3Q20 compared with net outflows of
              $4.4 billion in 3Q19</div>
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            <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">The impact to net income of the annual actuarial review was a net charge of $198 million</div>
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  <div style="line-height: 12.55pt; margin-top: 6pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#8220;While the COVID-19 pandemic continues to disrupt economies worldwide, the overall demand for our products was robust. Our
    strong digital capabilities have enabled us to fulfill customers&#8217; insurance and wealth management needs across all of our markets globally. The global diversity of our franchise, strength of our offerings, and quality of our distribution capabilities
    were evident in Manulife&#8217;s third quarter APE sales, which were down only 2% from the prior year quarter, despite the challenging environment. In addition, we delivered core earnings of $1.5 billion and net income of $2.1 billion for the quarter, which
    reflects the resilience of our business,&#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 the challenges of the current environment. Our balance sheet
    and capital levels are strong and we continue to execute on our <font style="color: #000000;">five priorities.</font><sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup><font style="color: #000000;">&#160;</font>We&#8217;ve made significant progress on our
    portfolio optimization and expense efficiency objectives, whilst accelerating growth in our highest potential businesses, notably Asia and Global WAM. Our efforts to enhance our digital capabilities over the last few years have enabled us to pivot
    quickly in the current environment, and position us well to serve our customers in a more digitally enabled world,&#8221; added Mr. Gori.</div>
  <div style="margin-right: 12.95pt; line-height: 12.55pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Phil Witherington, Chief Financial Officer, said, &#8220;Our LICAT ratio of 155% is strong and we continue to have substantial
    financial flexibility. We released over $450 million of incremental capital during the quarter by executing a reinsurance agreement in the U.S., bringing the cumulative capital benefits released from our legacy businesses through portfolio optimization
    activities to $5.8 billion since 2018.&#8221;</div>
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        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">Core earnings, core return on common shareholders&#8217; equity (&#8220;core ROE&#8221;), new business value (&#8220;NBV&#8221;), annualized premium equivalent (&#8220;APE&#8221;) sales and net flows are non-GAAP
            measures. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our Third Quarter 2020 Management&#8217;s Discussion and Analysis (&#8220;3Q20 MD&amp;A&#8221;) for additional information<font style="font-family: 'Times New Roman', serif;">.</font></div>
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        <td style="width: 9pt; 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 3Q20 MD&amp;A for additional information.</div>
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        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">Life Insurance Capital Adequacy Test (&#8220;LICAT&#8221;) ratio of The Manufacturers Life Insurance Company (&#8220;MLI&#8221;).</div>
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        <td style="width: 9pt; 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;">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. For more information, please
            refer to &#8220;Strategic priorities progress update&#8221; in our 2019 Annual Report<font style="font-family: 'Times New Roman', serif;">.</font></div>
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        <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-size: 9pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></div>
      </div>
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    <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">1</font></div>
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  <div style="margin-right: 12.95pt; line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="color: #000000;">&#8220;Expense discipline continues to be a strategic priority and we reduced core general
      expenses</font><sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup><font style="color: #000000;"> by 5% compared with the prior year quarter. Furthermore, the </font>core EBITDA margin<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1 </sup><font style="color: #000000;">in our Global WAM
      business exceeded 30% this quarter, which reflects our scale and commitment to expense efficiency,&#8221; added Mr. Witherington.</font></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;">We continued to make progress on our portfolio optimization initiative by executing an agreement with<font style="color: #000000;">&#160;</font>Global


    Atlantic Financial Group to reinsure approximately $3.4 billion of policy liabilities related to John Hancock&#8217;s legacy U.S. Bank<font style="font-family: 'Times New Roman', serif;">-</font>Owned Life Insurance business. John Hancock has retained
    administration of the policies. The transaction closed on September 30, 2020, released $465 million in capital, and generated a gain of $262 million that was reported outside of core earnings in 3Q20.</div>
  <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">In 3Q20, we continued to extend our product and distribution reach to fulfill the financial health and well-being needs of our customers. In
    Asia,<font style="color: #000000;"> we sold our first policy in Myanmar, a digitally savvy market with one of the lowest insurance penetration rates in Asia. In Vietnam, we entered into a partnership with Cong Dong Bau, a community with more than 5
      million members that improves access to financial advice and solutions for expectant and new mothers. </font>In Canada<font style="font-family: 'Times New Roman', serif;">,</font> we launched a new travel insurance product that covers emergency
    medical costs and trip interruption expenses from COVID-19 and related conditions. We further enhanced our Group Benefits product offering with the introduction of Health by Design, a proactive approach using the latest science, technology and
    predictive analytics to help each member with their unique health journey. In the U.S., we continued to make progress on our objective of transforming the experience of owning life insurance for our customers. We announced a strategic collaboration
    with Amazon which adds the Halo wellness band to the devices supported by John Hancock&#8217;s Vitality Program. In Global WAM, we continued to earn top scores on the United Nations-supported Principles for Responsible Investment (&#8220;PRI&#8221;) annual assessment
    report for integrating environmental, social, and governance (&#8220;ESG&#8221;) considerations into our investment practices across a range of asset classes<font style="font-family: 'Times New Roman', serif;">.</font><sup style="color: #000000; font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> In addition, Manulife Investment Management was also recognized in the PRI Leaders' Group 2020, a 10-year initiative honouring signatories at the cutting edge of responsible investment. This year, 36 signatories, including
    Manulife Investment Management, were recognized for demonstrating responsible investment excellence in climate reporting throughout their organizations and portfolios. Finally<font style="font-family: 'Times New Roman', serif;">,</font> in Canada we
    accelerated our Retail wealth digital transformation by launching several online tools and automations that make account maintenance, accessing forms and statements easier for advisors to service their customers.</div>
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        <td style="width: 9pt; 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 general expenses and core EBITDA margin are non-GAAP measures. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 3Q20 MD&amp;A for additional information.</div>
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        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">A+ awarded for strategy and governance, listed equity incorporation, and fixed-income Sovereign, Supranational, and Agency modules<font style="font-family: 'Times New Roman', serif;">.</font></div>
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        <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-size: 9pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></div>
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  <div style="line-height: 12.55pt; margin-top: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">FINANCIAL HIGHLIGHTS:</div>
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          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Quarterly Results</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="6" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
          <div style="text-align: center; line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">YTD Results</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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      <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" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">3Q20</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3Q19</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2020</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2019</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </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" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Net income attributed to shareholders</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,068</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">723</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,091</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,374</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,453</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,527</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,042</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,527</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Diluted earnings per common share ($)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1.04</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">0.35</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2.04</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2.16</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Diluted core earnings per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">0.73</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">0.76</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2.01</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">2.24</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Return on common shareholders&#8217; equity (&#8220;ROE&#8221;)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">16.4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">5.9</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">10.8</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">12.8</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Core ROE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">11.4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow','sans-serif';">13.0</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">10.6</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">13.3</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">51.2</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">51<font style="font-family: 'Times New Roman', serif;">.</font>4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">52.9</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">51.2</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</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" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Asia new business value</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">365</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">430</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,019</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,205</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Canada new business value</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">67</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">51</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">190</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">178</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">U.S. new business value</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">28</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">45</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">104</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">141</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Total new business value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">460</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">526</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,313</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,524</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Asia APE sales</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,005</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,052</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,873</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">3,303</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Canada APE sales</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">289</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">235</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">903</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">786</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">U.S. APE sales</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">136</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">156</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">431</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">453</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Total APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,430</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,443</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,207</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">4,542</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Global Wealth and Asset Management net flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(2.2</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(4.4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">6.1</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(5.8</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</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;">Global Wealth and Asset Management gross flows ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">27.5</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">28.0</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">98.7</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">81.3</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Global Wealth and Asset Management assets under management and administration ($ billions)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">715.4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">659.2</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">715.4</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">659.2</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">Financial Strength:</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">MLI&#8217;s LICAT ratio</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">155</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">146</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">155</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">146</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Financial leverage ratio</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.7</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">26.1</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">26.7</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">%</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">26.1</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">%</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Book value per common share ($)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">25.49</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">23.51</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">25.49</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">23.51</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Book value per common share excluding AOCI ($)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">21.13</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">19.60</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">21.13</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">$</div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">19.60</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
      </tr>

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        <td style="width: 9pt; vertical-align: top; font-family: 'Arial Narrow','sans-serif'; font-size: 8pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-family: 'Arial Narrow', sans-serif; font-size: 8pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 3Q20 MD&amp;A for additional information.</div>
        </td>
      </tr>

  </table>
  <div style="line-height: 12.55pt; margin-top: 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 $2.1 billion in 3Q20, up $1.3 billion from 3Q19</div>
  <div style="line-height: 12.55pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">The increase was driven by gains from investment-related experience compared with losses in the prior year quarter, gains from the direct impact
    of equity markets and interest rates and variable annuity guarantee liabilities (compared with losses in the prior year quarter<font style="font-family: 'Times New Roman', serif;">,</font> which included a $0.5 billion charge related to updated
    Ultimate Reinvestment Rate assumptions issued by the Canadian Actuarial Standards Board), and the impact of a reinsurance transaction to improve the capital efficiency of our legacy business, partially offset by a $198 million charge from the annual
    review of actuarial methods and assumptions. Investment-related experience in 3Q20 reflected the favourable impact of fixed income reinvestment activities and higher-than-expected returns (including fair value changes) on our alternative long-duration
    assets driven primarily by fair value gains on private equities.</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;">Delivered core earnings of $1.5 billion in 3Q20, a decrease of 6% compared with 3Q19</div>
  <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="color: #000000;">The decrease in core earnings in 3Q20 compared with 3Q19 reflects the absence of core investment gains</font><sup style="color: #000000; font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup><font style="color: #000000;"> in the quarter (compared with gains in the prior year quarter), lower investment income in Corporate and Other,</font> unfavourable policyholder experience
    in our Canadian insurance businesses<font style="font-family: 'Times New Roman', serif; color: #000000;">,</font><font style="color: #000000;"> and</font><font style="color: #A6A6A6;">&#160;</font>lower new business volumes as a result of COVID-19<font style="color: #000000;">. These items were partially offset by </font>the impact of in-force business growth, favourable product mix in Hong Kong and Asia Other<sup style="font-family: Arial, sans-serif; vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup>, and average AUMA growth in Global
    WAM.</div>
  <br>
  <font style="font-family: 'Manulife JH Sans','sans-serif';"><br>
  </font>
  <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;" class="DSPFListTable" id="z1dcac1bc1c1d468f9811154477dbca48">

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        <td style="width: 9pt; 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; font-family: 'Manulife JH Sans','sans-serif';">
          <div style="font-size: 8pt; font-family: 'Arial Narrow','sans-serif';">This item is a non-GAAP measure. See &#8220;Performance and non-GAAP measures&#8221; below and in our 3Q20 MD&amp;A for additional information.</div>
        </td>
      </tr>

  </table>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt;" class="DSPFListTable" id="z1fd5c620c0944355a01ac27af5fc3c36">

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        <td style="width: 9pt; 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; font-family: 'Manulife JH Sans','sans-serif';">
          <div style="font-size: 8pt; font-family: 'Arial Narrow','sans-serif';">Asia Other excludes Hong Kong and Japan.</div>
        </td>
      </tr>

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        <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-size: 9pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></div>
      </div>
    </div>
    <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">3</font></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;">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;">We completed our annual review of actuarial methods and assumptions, resulting in a net charge to net income attributed to shareholders of
    $198 million, which was consistent with the previously disclosed estimate. Assumptions reviewed this year included lapse assumptions for Canada and Japan life insurance, certain mortality and morbidity assumptions in all insurance 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 $460 million in 3Q20, a decrease of 14% compared with
    3Q19</div>
  <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">In Asia, NBV of $365 million was down 16% compared with the prior year quarter, primarily driven by lower APE sales and a
    decline in interest rates in Hong Kong. In Canada, NBV of $67 million was up 31% from 3Q19, primarily due to higher sales volumes in large-case group insurance. In the U.S., NBV of $28 million was down 38% compared with the prior year quarter,
    primarily driven by lower international universal life 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 $1.4 billion in 3Q20, a decrease of 2% compared with 3Q19</div>
  <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Arial Narrow','sans-serif'; color: rgb(0, 0, 0);">In Asia, APE sales decreased 6% compared with the prior year
      quarter </font><font style="font-family: 'Arial Narrow','sans-serif';">as growth in Japan and Asia Other was more than offset by lower sales in Hong Kong. <font style="color: rgb(0, 0, 0);">Hong Kong APE sales decreased 26% driven by </font><font style="color: rgb(0, 0, 0);">the adverse impact of COVID-19, a decrease in sales to mainland Chinese visitors, as well as strong prior year quarter sales of our Voluntary Health Insurance Scheme and Qualifying Deferred Annuity Policy products.</font><font style="color: rgb(0, 0, 0);"> Japan APE sales increased 9% as we gained traction in the corporate-owned life insurance (&#8220;COLI&#8221;) market following the launch of our re-designed COLI product in 3Q19,</font> partially offset by the adverse impact of
      COVID-19<font style="color: rgb(0, 0, 0);">. Asia Other APE sales increased 3% driven by higher agency sales</font><font style="color: rgb(0, 0, 0);">,</font><font style="color: rgb(0, 0, 0);"> partially offset by lower bancassurance sales </font>due



      to restricted activities in bank branches and temporary bank closures<font style="color: rgb(0, 0, 0);">.</font>&#160;<font style="color: rgb(0, 0, 0);">In Canada, APE sales increased 23% primarily driven by higher large-case group insurance sales, </font>partially


      offset by lower individual insurance sales due to the adverse impact of COVID-19<font style="color: rgb(0, 0, 0);">.</font><font style="color: rgb(0, 0, 0);"> In the U.S., APE sales declined 14% compared with the prior year quarter largely due to the
        adverse impacts of COVID-19. In addition, l</font>ower international universal life, domestic protection universal life, and variable universal life sales were partially offset by higher domestic indexed universal life and term life sales.</font></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 outflows of $2.2 billion in 3Q20, compared with 3Q19
    net outflows of $4.4 billion</div>
  <font style="font-family: 'Arial Narrow','sans-serif';"> </font>
  <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="color: rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">Net inflows in Asia were $1.1 billion in 3Q20, compared with
      net inflows of $2.3 billion in 3Q19, </font><font style="font-family: 'Arial Narrow','sans-serif';">driven by <font style="color: #000000;">higher retail redemptions in mainland China. Net inflows in Canada were $1.2 billion in 3Q20 compared with
        net outflows of $6.9 billion in 3Q19, </font>driven by the non-recurrence of an $8.5 billion redemption in <font style="color: #000000;">Institutional Asset Management.</font>&#160;<font style="color: #000000;">Net outflows in the U.S. were $4.5
        billion in 3Q20 compared with net inflows of $0.1 billion in 3Q19, driven </font>by a $5.0 billion redemption of an equity mandate in Institutional Asset Management, coupled with <font style="color: #000000;">lower plan sales and recurring
        deposits, as well as higher member withdrawals in Retirement.</font></font></div>
  <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">QUARTERLY EARNINGS RESULTS CONFERENCE CALL</div>
  <div style="line-height: 12.55pt; margin-bottom: 6pt; color: #000000; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">Manulife Financial Corporation will host a Third Quarter Earnings Results Conference Call at 8:00 a.m. ET on November 12,
    2020. For local and international locations, please call 416-340-2217 or toll free, North America 1-800-806-5484 (Passcode: 8503281#). 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 November 12, 2020 through February 12, 2021 by calling 905-694-9451 or 1-800-408-3053 (Passcode: 5440418#).</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 November 12, 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 Third 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>
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            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;"><font style="font-weight: bold;">Media Inquiries</font></div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Brooke Tucker-Reid</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">647-528-9601</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">brooke_tucker-reid@manulife.com</div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt; font-weight: bold;">Investor Relations</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Adrienne O&#8217;Neill</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">416-926-6997</div>
            <div style="line-height: 16.25pt; font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;">adrienne_oneill@manulife.com</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans',sans-serif; font-size: 9.5pt;"><font style="font-family: 'Arial Narrow','sans-serif'; font-size: 11pt;"> </font><br>
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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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        <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-size: 9pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></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;">EARNINGS:</div>
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        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2020</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
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          <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>
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          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">308</font></div>
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        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
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          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">238</font></div>
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        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
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          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">281</font></div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <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" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
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          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">756</font></div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">559</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">489</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">520</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,539</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,511</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <td valign="bottom" style="vertical-align: bottom; width: 40%;">
          <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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">279</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">342</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">318</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">858</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">913</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">498</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">602</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">471</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,516</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">1,387</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 40%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="margin-right: 18.6pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Corporate and Other (excluding core investment gains)</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(191</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(110</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(163</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(667</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(340</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-weight: bold;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt;">100</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif'; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-weight: bold;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt;">300</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); font-family: 'Arial Narrow','sans-serif';">&#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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,453</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,561</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">1,527</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,042</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">4<font style="font-family: 'Times New Roman', serif;">,</font>527</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 40%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">147</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(916</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(289</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(1,377</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">184</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 40%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">390</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">73</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(494</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">1,255</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(389</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
      </tr>
      <tr>
        <td valign="bottom" style="vertical-align: bottom; width: 40%;">
          <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Change in actuarial methods and assumptions</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">(198</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(21</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
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        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(21</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
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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: 3.6pt; margin-left: 9pt; line-height: 11.4pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif;">Reinsurance transactions</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">276</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">9</div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">297</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">115</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#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>
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        <td valign="bottom" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif; font-weight: bold;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">-</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 0pt;"></div>
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif; font-weight: bold;">72</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">(42</div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt; font-family: 'Arial Narrow', sans-serif;">)</div>
        </td>
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      <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" nowrap="nowrap" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">2,068</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">727</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">723</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif; font-weight: bold;">4,091</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">$</font></div>
        </td>
        <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
          <div style="line-height: 11.4pt;"><font style="font-family: 'Arial Narrow', sans-serif;">4,374</font></div>
        </td>
        <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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            <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>
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          <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 3Q20 MD&amp;A for additional
              information.</div>
          </td>
        </tr>

    </table>
  </div>
  <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt; font-weight: bold;">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; core EBITDA margin, 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, core general expenses, APE sales, new business value, and gross
    flows). Non-GAAP financial measures are not defined terms under GAAP and, therefore, are unlikely to be comparable to similar terms used by other issuers. Therefore, they should not be considered in isolation or as a substitute for any other financial
    information prepared in accordance with GAAP. For more information on non-GAAP financial measures, including those referred to above, see &#8220;Performance and Non-GAAP Measures&#8221; in our Third Quarter 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>
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        <div style="line-height: 0pt;"><br style="line-height: 0pt;">
        </div>
        <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-size: 9pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></div>
      </div>
    </div>
    <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">5</font></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 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;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;, and &#8220;restore&#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>
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    <div style="line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow', sans-serif; font-size: 11pt;"><font style="font-family: 'Times New Roman',Times,serif; font-size: 10pt;">November 11, 2020 &#8211; Press Release Reporting Third Quarter Results</font></div>
    <div style="text-align: right; line-height: 12.55pt; margin-top: 2pt; font-family: 'Arial Narrow',sans-serif; font-size: 11pt;"><font style="font-family: 'Times New Roman',Times,serif; font-size: 10pt;"></font><font style="font-family: 'Times New Roman',Times,serif; font-size: 10pt;" id="DSPFPageNumber">6</font></div>
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<FILENAME>exhibit99-2.htm
<DESCRIPTION>EXHIBIT999-2-DIVDECL-11NOV2020
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    <div style="line-height: 29.65pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<br>
      Release</div>
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    <div style="line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">C$ unless otherwise stated</font><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 288pt" id="TRGRRTFtoHTMLTab">&#160;</font><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">TSX/NYSE/PSE: MFC&#160; &#160;&#160; SEHK: 945<br>
        For Immediate Release<br>
        November 11, 2020</font></div>
    <div style="line-height: 23.3pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 12.5pt; font-weight: bold;">
      <div><br>
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      <font style="font-size: 14pt;">Manulife declares common share dividend</font></div>
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    <div style="line-height: 12.55pt; font-family: '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 December<font style="font-family: Calibri, sans-serif;">&#160;</font>21, 2020 to shareholders of record at the close of
      business on November 23, 2020<font style="font-family: 'Times New Roman', serif;">.</font></div>
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    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;">In respect of the Company&#8217;s Canadian Dividend Reinvestment and Share Purchase Plan and its U.S. Dividend Reinvestment and Share Purchase Plan, the Company
      will purchase common shares on the open market in connection with the reinvestment of dividends and optional cash purchases under these plans. <font style="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>
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    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;"><font style="font-weight: bold;">About Manulife</font><br>
      Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, 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 September 30, 2020, we had $1.3 trillion (US$943 billion) in assets under management and administration, and in the previous 12 months we made
      $31.2 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>
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            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt; font-weight: bold;">Media Relations Contact:</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">Brooke Tucker-Reid</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">647-528-9601</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">brooke_tucker-reid@manulife.com</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;"> <font style="font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;"><br>
              </font> </div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt; font-weight: bold;">Investor Relations:</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">Adrienne O&#8217;Neill</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">Manulife</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">416-926-6997</div>
            <div style="line-height: 16.25pt; font-family: 'Manulife JH Sans','sans-serif'; font-size: 11pt;">adrienne_oneill@manulife.com</div>
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