<SEC-DOCUMENT>0001086888-21-000010.txt : 20210210
<SEC-HEADER>0001086888-21-000010.hdr.sgml : 20210210
<ACCEPTANCE-DATETIME>20210210172233
ACCESSION NUMBER:		0001086888-21-000010
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20210210
FILED AS OF DATE:		20210210
DATE AS OF CHANGE:		20210210

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:		21615144

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

	MAIL ADDRESS:	
		STREET 1:		200 BLOOR ST EAST, NT-10
		CITY:			TORONTO
		STATE:			A6
		ZIP:			M4W1E5
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>form6-k.htm
<DESCRIPTION>FORM6-K-NRS-10FEB2021
<TEXT>
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    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">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>
    <div style="line-height: 15.95pt;"><br style="line-height: 15.95pt;">
    </div>
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      <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="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">REPORT OF <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">FOREIGN</font> PRIVATE ISSUER
      PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">15d</font>-16 UNDER THE</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
    </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>February, 2021</u></div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</div>
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    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;"><font style="font-weight: bold; font-size: 16pt;">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', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">200 Bloor Street East</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">North Tower 10</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Toronto, Ontario, Canada M4W 1E5</div>
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      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(416) 926&#8209;3000</div>
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    <div 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>
    <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: 'Arial Narrow', sans-serif; font-size: 11pt;">&#9723;</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: 'Arial Narrow', sans-serif;">&#9723;</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <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: 'Arial Narrow', sans-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;">Yes</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 Form 6-K:</div>
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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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          <td style="width: 13.25%; vertical-align: top; border-top: #000000 2px solid;">&#160;</td>
          <td style="width: 86.75%; vertical-align: top; border-top: #000000 2px solid;">&#160;</td>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
          </td>
          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; fourth quarter results dated February 10, 2021</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.2</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated February 10, 2021</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SIGNATURES</div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by
      the undersigned, thereunto duly authorized.</div>
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            <div style="line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt;">MANULIFE FINANCIAL CORPORATION</div>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
        </tr>
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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; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Kay Song</font></div>
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          <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; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Assistant

                Corporate Secretary</font></div>
            <div style="line-height: 12.55pt;"><font style="line-height: 12.55pt;">&#160;</font></div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; February 10, 2021</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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            <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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          <td style="width: 86.75%; vertical-align: top; border-top: #000000 2px solid;">&#160;</td>
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          <td style="width: 13.25%; vertical-align: top;">
            <div style="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; fourth quarter results dated February 10, 2021</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.2</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated February 10, 2021</div>
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    <div style="line-height: 11.95pt; margin-bottom: 2pt;"><font style="font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">C$ unless otherwise stated</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;
      <font style="font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;"><font style="font-weight: bold;">TSX/NYSE/PSE: MFC</font>&#160;&#160;&#160; SEHK: 945</font></div>
    <div style="line-height: 11.95pt; margin-bottom: 6pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">February 10, 2021</div>
    <div style="line-height: 11.95pt; margin-bottom: 6pt; font-family: 'Manulife JH Sans', 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;"> <br>
    </div>
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            <div style="line-height: 9.1pt; margin-bottom: 3pt; font-family: Arial, sans-serif; font-size: 8pt;"><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 Management&#8217;s Discussion &amp; Analysis (&#8220;MD&amp;A&#8221;) and Consolidated Financial Statements for the year ended December 31, 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>http://www.sedar.com<font style="color: #1C1C1C;"> and on the U.S. Securities and Exchange Commission's (&#8220;SEC&#8221;) website at </font>http://www.sec.gov<font style="color: #1C1C1C;">.</font></div>
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    <div style="line-height: 12.55pt; margin-bottom: 4pt;"><br>
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    <div style="margin-right: 2.9pt; line-height: 13.8pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Manulife reports 2020 net income of $5.9 billion, core earnings of $5.5 billion, APE sales
      of $5.6 billion, and strong Global WAM net inflows of $8.9 billion</div>
    <div style="margin-right: 12.6pt; line-height: 14.9pt; margin-bottom: 3pt; font-family: Arial, sans-serif;">Today, Manulife announced its 2020 and fourth quarter of 2020 (&#8220;4Q20&#8221;) results. Key highlights include:</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Net income attributed to shareholders of $5.9 billion in 2020, up $0.3 billion from 2019, and $1.8 billion in 4Q20, up $0.6 billion from the fourth quarter
                of 2019 (&#8220;4Q19&#8221;)</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $5.5 billion in 2020, down $0.5 billion from 2019, and $1.5 billion in 4Q20, in line with 4Q19</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Strong LICAT ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> of 149%</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Core ROE<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of 10.9% in 2020 and 11.6% in 4Q20, and ROE of 11.6% in 2020 and 14.1% in 4Q20</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
            </td>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">NBV<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.8 billion in 2020, down 13%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> from 2019, and $489 million in 4Q20, down 7% from 4Q19</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
            </td>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $5.6 billion in 2020, down 8% from 2019, and $1.4 billion in 4Q20, down 5% from 4Q19</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Global WAM net inflows<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $8.9 billion in 2020 compared with net outflows of $0.9 billion in 2019 and net inflows of $2.8 billion in 4Q20
                compared with net inflows of $4.9 billion in 4Q19</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt;">&#9726;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">As of December 31, 2020, delivered a cumulative reduction in pre-tax annual general expenses of $1.0 billion, achieving our medium-term target two years
                ahead of schedule</div>
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    </div>
    <div style="line-height: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;2020 was an incredibly challenging year in so many ways. Countless people were affected by illness and loss, as well as isolation from loved ones,
      putting stress on their physical and mental health, and creating anxiety for their financial well-being. We want to thank all of the front-line workers globally for their incredible efforts through this unprecedented time,&#8221; said Manulife President
      &amp; Chief Executive Officer Roy Gori.</div>
    <div style="line-height: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;I want to also take this opportunity to thank every colleague, along with our agents and business partners for all they have done to make decisions
      easier and lives better for our customers over the past year. As the year ahead presents continued challenges, I am enormously grateful for their passion for serving our customers&#8217; evolving needs while most are persevering through the personal and
      professional challenges of doing so while working from home,&#8221; Mr. Gori continued.</div>
    <div style="line-height: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;Navigating the challenges presented by the pandemic, we achieved very solid operating results in 2020, illustrating the global strength and
      diversity of our business, our strong digital capabilities and the tremendous resilience of our team. Core earnings increased year-over-year across three of our four operating segments,</div>
    <br>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">1</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">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 2020 Management&#8217;s Discussion and Analysis (&#8220;2020 MD&amp;A&#8221;) for additional information.</div>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">2</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">Life Insurance Capital Adequacy Test (&#8220;LICAT&#8221;) ratio of The Manufacturers Life Insurance Company (&#8220;MLI&#8221;).</div>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;" class="DSPFListTable" id="z86f74b02ba94464db9c1767a22a680d0">

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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">3</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">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 2020 MD&amp;A for additional information.</div>
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      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: Arial, 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">1</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Global WAM delivered net inflows of $8.9 billion, and our APE sales were down just 8% compared to 2019,&#8221; added Mr. Gori.</div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">&#8220;We continued to execute against our strategic priorities<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> throughout 2020, including deploying capital to expand our distribution footprint in Asia. Our insurance agency
      force grew by 21% and now exceeds 115,000 agents. And, we extended our exclusive partnership with Bank Danamon in Indonesia and announced a new exclusive partnership with VietinBank, one of the largest banks in Vietnam,&#8221; Mr. Gori noted.</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Phil Witherington, Chief Financial Officer, offered, &#8220;We continued to make significant progress on improving our expense efficiency in 2020. Core
      general expenses<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> declined by 3% compared with the prior year, and we have now delivered one billion dollars of sustainable expense efficiencies, achieving our 2022 target two years ahead of schedule. In addition, we are on track to
      achieve our target expense efficiency ratio of less than 50% by 2022<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup>, despite headwinds related to the global pandemic.&#8221;</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;Our LICAT ratio of 149% is strong and we continue to maintain substantial financial flexibility. Reflecting the challenging operating environment
      and our robust capital position, we delivered Core ROE of 10.9% in 2020. Although the result fell short of our medium-term target of 13% plus, we view this as a good outcome given the circumstances,&#8221; added Mr. Witherington.</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;The events of the past year have reinforced the value of insurance, well-being, retirement and wealth management programs, and the products and
      services we provide,&#8221; said Mr. Gori.&#160; &#8220;And I am optimistic about the tremendous opportunity we have in this year to help people live better, happier and healthier lives.&#8221;</div>
    <div style="line-height: 12.55pt; margin-top: 12pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">2020 BUSINESS HIGHLIGHTS:</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">We made further progress on portfolio optimization in 2020 through a variety of initiatives. We completed an agreement to reinsure our legacy U.S.
      Bank-Owned Life Insurance business, experienced continued success from our Annuity Guaranteed Minimum Withdrawal Benefit offer program, and recognized impacts from the sale of alternative long-duration assets enabled by reinsurance of individual and
      group payout annuity policies. In total, portfolio optimization initiatives generated additional capital benefits of $780 million.</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">We made significant strategic investments in our technology infrastructure in recent years<font style="font-family: 'Times New Roman', serif;">.</font>
      As the COVID-19 pandemic took hold globally, we leveraged these investments to provide quality service to our existing customers and to those seeking to purchase our products; 97%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> of our product shelf in Asia and Canada, 90%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup>
      of our Global WAM product shelf and 80%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> of our U.S. product shelf are accessible to customers through virtual face-to-face<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup> methods. In addition, these investments enabled a seamless transition to remote work arrangements for
      our employees, 95% of whom have worked remotely for prolonged periods during the pandemic<font style="font-family: 'Times New Roman', serif;">.</font></div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif;">In Asia, we increased the number of insurance agents by 21% to over 115,000, announced an exclusive bancassurance partnership with VietinBank<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup>
      and reached an early extension of our bancassurance agreement with PT Bank Danamon Indonesia to 2036. In addition, in 4Q20 we received approval from the China Banking and Insurance Regulatory Commission to begin preparation work to establish a new
      branch in the Shaanxi Province. In Canada, we introduced Health by Design to our Group Benefits product offering, 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 see growth in our &#8220;Vitality for All&#8221; strategy through Vitality GO and Vitality PLUS, extending Vitality benefits to all insurance customers and 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 our Global Wealth and Asset Management business, we acquired a minority stake in Albamen Capital Partners, a private equity infrastructure investment manager with a focus
      on renewable energy, data centers and other power-intensive</div>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">1</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">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 2020 MD&amp;A.</div>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">2</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 2020 MD&amp;A for additional information.</div>
          </td>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;" class="DSPFListTable" id="z4f46762b007944b0bfd6ded3de7a70f9">

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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">3</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">See &#8220;Caution regarding forward-looking statements&#8221; below.</div>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">4</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">Represents the percentage of 2019 APE sales that are currently available for sale via virtual face-to-face methods (applies to Asia, Canada and U.S.).</div>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">5</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">Reflects Global WAM&#8217;s AUMA available to new and existing retail and retirement customers.</div>
          </td>
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    </table>
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    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif;">&#160;infrastructure assets in mainland China and completed the formation of our Retail and Institutional joint venture with Mahindra Finance in India.</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
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            <div style="text-align: center; line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">Full Year Results</div>
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            <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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">($ millions, unless otherwise stated)</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>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <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);">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td valign="bottom" 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);">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <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);">
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Net income attributed to shareholders</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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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,780</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,228</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">5,871</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">5,602</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Core earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,474</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,477</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">5,516</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">6,004</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Diluted earnings per common share ($)</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">0.89</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">0.61</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">2.93</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">2.77</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: 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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Diluted core earnings per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">0.74</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">0.73</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
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            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">2.75</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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">2.97</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: 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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Return on common shareholders&#8217; equity (&#8220;ROE&#8221;)</div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">14.1</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">10.3</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">11.6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">12.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">11.6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">12.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">10.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">13.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">52.7</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">54.2</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">52.0</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">368</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">390</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,387</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,595</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Canada new business value</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">65</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">59</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">237</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">U.S. new business value</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">56</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">77</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">160</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">218</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Total new business value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">489</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">526</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,802</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">2,050</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Asia APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">996</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">975</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">3,869</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">4,278</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Canada APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">245</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">271</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,148</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,057</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 4.5pt; margin-left: 8.25pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">U.S. APE sales</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">178</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">249</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">609</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">702</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Total APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,419</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,495</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">5,626</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">6,037</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 3.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Global Wealth and Asset Management net flows ($ 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">2.8</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">4.9</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">8.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(0.9</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">31.5</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">32.9</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">130.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">114.2</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">753.6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">681.4</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); 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">753.6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">681.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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>
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        <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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">MLI&#8217;s LICAT ratio</div>
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          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">149</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">140</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">149</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">140</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">26.6</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">25.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">26.6</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">25.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Book value per common share ($)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">25.00</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">23.25</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">25.00</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">23.25</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 52%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Book value per common share excluding AOCI ($)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">21.74</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">19.94</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">21.74</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">19.94</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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    </table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 18pt; margin-top: 2pt;" class="DSPFListTable" id="z02ae5ac555324282a279befc77a76d0e">

        <tr>
          <td style="width: 18pt; vertical-align: top;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 2020 MD&amp;A for additional information.</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 16.4pt; margin-top: 12pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">PROFITABILITY:</div>
    <div style="margin-right: 21.6pt; line-height: 15.05pt; margin-top: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Reported net income attributed to shareholders of $5.9 billion in 2020, up $0.3 billion from 2019, and $1.8
      billion in 4Q20, up $0.6 billion from 4Q19</div>
    <div style="line-height: 14.9pt; color: #000000; font-family: Arial, sans-serif;">The $0.3 billion increase in net income attributed to shareholders was primarily due to gains from the direct impact of interest rates in 2020, including gains from the
      sale of available-for-sale bonds held in Corporate and Other, (compared with losses in 2019, including a $0.5 billion charge related to updated Ultimate Reinvestment Rate assumptions issued by the Canadian Actuarial Standards Board), partially offset
      by losses on investment-related experience (compared with gains in 2019, including $400 million of core investment gains<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>) and losses from the direct impact of equity markets and variable annuity guarantee liabilities (compared with gains
      in 2019).</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The $0.6 billion increase <font style="color: #000000;">in net income attributed to shareholders </font>in 4Q20 compared<font style="color: #000000;"> with the prior year quarter was primarily driven by higher investment-related experience </font><font style="color: #000000;">gains, gains from reinsurance transactions compared with losses in 4Q19, and a lower charge from the direct
        impact of markets.</font></div>
    <br>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
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        <tr>
          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">1</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP measures&#8221; below and in our 2020 MD&amp;A for additional information.</div>
          </td>
        </tr>

    </table>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-family: Arial,'sans-serif';" id="DSPFPageBreakArea">
      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: Arial, 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">3</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="margin-right: 21.6pt; line-height: 15.05pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;"><font style="color: #000000;">Delivered core earnings of $5.5 billion in 2020, a decrease of 9% compared with 2019, and $1.5
        billion </font>in 4Q20, in line with 4Q19</div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">The decrease in core earnings in 2020 compared with 2019 reflects the absence of core investment gains in the year (compared with gains in the prior year), lower investment income in
      Corporate and Other, less favourable impact of markets on seed money investments in new segregated and mutual funds, and lower new business volumes. These items were partially offset by the impact of in-force business growth, favourable policyholder
      experience, favourable new business product mix in Hong Kong and Asia Other<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>, and higher average AUMA in Global Wealth and Asset Management.</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 12pt; color: #000000; font-family: Arial, sans-serif;">Core earnings in 4Q20 were in line with 4Q19, reflecting the absence of core investment gains in the quarter (compared with gains in
      the prior year quarter) and lower investment income in Corporate and Other; offset by the favourable impact of in-force business growth in Asia and the U.S., higher average AUMA in Global Wealth and Asset Management, favourable experience in our
      P&amp;C Reinsurance business and lower general expenses.</div>
    <div style="line-height: 16.4pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">BUSINESS PERFORMANCE:</div>
    <div style="margin-right: 21.6pt; line-height: 15.05pt; margin-top: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">New business value (&#8220;NBV&#8221;) of $1.8 billion in 2020, a decrease of 13% compared with 2019, and
      $489 million in 4Q20, a decrease of 7% compared with 4Q19</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif;">NBV was $1.8 billion in 2020, a decrease of 13% compared with 2019. In Asia, NBV of $1.4 billion was down 14%, driven by lower sales volumes in Hong
      Kong and Japan and a decline in market interest rates in Hong Kong and Asia Other, partially offset by favourable product mix in Asia Other. In Canada, NBV of $255 million was up 8% from 2019, primarily due to higher margins and higher sales in our
      insurance businesses. In the U.S., NBV of $160 million was down 27% primarily driven by lower sales volumes.</div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">NBV was $489 million in 4Q20, a decrease of 7% compared with 4Q19. In Asia, NBV of $368 million was down 5% due to lower sales volumes in Hong Kong and less favourable product mix in
      Japan, partially offset by higher sales and more favourable product mix in Asia Other. In Canada, NBV of $65 million increased 10% compared with 4Q19, primarily driven by higher margins across all business lines, partially offset by lower volumes in
      small and mid-size group insurance and individual insurance. In the U.S., NBV of $56 million was down 26%, driven primarily by lower international universal life sales volumes.</div>
    <div style="line-height: 15.05pt; margin-top: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Annualized premium equivalent (&#8220;APE&#8221;) sales of $5.6 billion in 2020, a decrease of 8% compared with 2019, and $1.4
      billion in 4Q20, a decrease of 5% compared with 4Q19</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">APE sales were $5.6 billion in 2020, a decrease of 8% compared with 2019. In Asia, APE sales decreased 11% primarily as a result of lower Japan APE sales<font style="font-family: 'Times New Roman', serif;">,</font> which decreased 30% due to accelerated sales of corporate-owned life insurance (&#8220;COLI&#8221;) products in the first quarter of 2019 in advance of a change in tax regulations and the adverse impact
      of COVID-19. Hong Kong APE sales decreased 10% driven by the adverse impact of COVID-19 containment measures, and lower sales to mainland Chinese visitors. Asia Other APE sales in 2020 were in line with 2019, as growth in mainland China and Vietnam
      was offset by the adverse impact of COVID-19 in other markets. In Canada, APE sales increased 9%, primarily driven by higher large-case group insurance sales, higher sales in our lower risk segregated funds and higher affinity market sales within
      individual insurance, partially offset by lower retail insurance sales due to the adverse impact of COVID-19. In the U.S., APE sales decreased 14%, <font style="color: #000000;">as lower international universal life, domestic protection universal
        life, and variable universal life sales, more than offset higher term life and domestic indexed universal life sales. The decline in U.S. APE sales was driven by higher prior year </font>domestic universal life sales in advance of anticipated
      regulatory changes, as well as <font style="color: #000000;">the unfavourable impact of COVID-19</font>.</div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;"><font style="color: #000000;">APE sales were $1.4 billion in 4Q20, a decrease of 5% compared with 4Q19. </font>In Asia, APE sales increased 2% as growth in sales in Japan from COLI and
      higher Asia Other sales from Vietnam and Singapore, were partially offset by lower sales in Hong Kong, due to the tightening of COVID-19 containment measures. In <font style="color: #000000;">Canada, APE sales decreased 10%</font> primarily driven
      by lower small and mid-size group insurance and individual insurance sales due to the adverse impact of COVID-19, partially offset by higher sales in our lower risk segregated funds<font style="color: #000000;">. </font><font style="color: #000000;">In



        the U.S., APE sales decreased 28%, </font>as international universal life sales were unfavourably impacted by COVID-19 and</div>
    <br>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
    <table cellspacing="0" cellpadding="0" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 2pt;" class="DSPFListTable" id="z1760a438c5a34970856bd40a27de0c7d">

        <tr>
          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">1</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">Asia Other excludes Hong Kong and Japan.</div>
          </td>
        </tr>

    </table>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-family: Arial,'sans-serif';" id="DSPFPageBreakArea">
      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: Arial, 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">4</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div style="width: 100%;" id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">domestic universal life sales decreased compared with a strong prior year quarter, which benefited from higher sales in advance of anticipated regulatory changes.</div>
    <div style="margin-right: 21.6pt; line-height: 15.05pt; margin-top: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Reported Global Wealth and Asset Management net inflows of $8.9 billion in 2020, compared with 2019 net
      outflows of $0.9 billion, and net inflows of $2.8 billion in 4Q20 compared with net inflows of $4.9 billion in 4Q19</div>
    <div style="line-height: 14.9pt; font-family: Arial, sans-serif;"><font style="color: #000000;">Net inflows were $8.9 billion in 2020, compared with net outflows of $0.9 billion in 2019. In Asia, net inflows were $3.9 billion in 2020 compared with net
        inflows of $4.8 billion in 2019, </font>reflecting lower retail net flows mainly in mainland China and Hong Kong, partially offset by higher net flows in Indonesia Retail and Hong Kong Retirement.<font style="color: #000000;"> In Canada, net in</font>flows


      were $14.6 billion in 2020 <font style="color: #000000;">compared with net outflows of $3.6 billion in </font>2019, driven by improved net inflows in Institutional Asset Management, from the non-recurrence of an $8.5 billion redemption in 2019 and
      the funding of a $6.9 billion mandate from a new client in the second quarter of 2020, and in Retirement, from lower plan redemptions and individual withdrawals. In the U.S., net <font style="color: #000000;">outflows were $9.6 billion in 2020
        compared with net outflows of $2.0 billion in 2019, driven by a $5.0 billion redemption of an equity mandate and the non-recurrence of several large sales </font>in Institutional Asset Management in 2019, as well as higher redemptions in
      Retirement, mainly due to member withdrawals under the U.S. CARES Act during the year.</div>
    <div style="line-height: 14.9pt; margin-top: 6pt; margin-bottom: 12pt; font-family: Arial, sans-serif;"><font style="color: #000000;">Net inflows were $2.8 billion in 4Q20 compared with net inflows of $4.9 billion in 4Q19. Net inflows in Asia were $2.2
        billion in 4Q20 compared with net inflows of $0.2 billion in 4Q19, </font>driven by lower redemptions in Institutional Asset Management and higher gross flows of retail money market funds in Indonesia. <font style="color: #000000;">Net inflows in
        Canada were $2.2 billion in 4Q20 compared with net inflows of $1.0 billion in 4Q19, </font>driven by lower plan redemptions in Retirement and higher gross flows<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> across the product line-up in Retail<font style="color: #000000;">. Net
        outflows in the U.S. were $1.6 billion in 4Q20 compared with net inflows of $3.7 billion in 4Q19, </font>driven by higher redemptions across all business lines and lower new plan sales in Retirement and the non-recurrence of several large sales in
      Institutional Asset Management in 4Q19,<font style="color: #000000;"> partially offset by higher net inflows in Retail from strong intermediary sales.</font></div>
    <div style="line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">QUARTERLY EARNINGS RESULTS CONFERENCE CALL</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif;">Manulife Financial Corporation will host a Fourth Quarter and Year End 2020 Earnings Results Conference Call at 8:00 a.m. ET on February 11, 2021. For
      local and international locations, please call 416-340-2217 or toll free, North America 1-800-806-5484 (Passcode: 6747325#). 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 February 11, 2021 through May 14, 2021 by calling 905-694-9451 or 1-800-408-3053 (Passcode: 1451526#).</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"><font style="color: #000000;">The conference call will also be webcast through Manulife&#8217;s website at 8:00 a.m. ET on February 11, 2021. 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: 13.7pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"><font style="color: #000000;">The Fourth 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><font style="font-family: 'Times New Roman', serif;">.</font></div>
    <div style="line-height: 12.3pt;"><br style="line-height: 12.3pt;">
    </div>
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        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif; font-weight: bold;">Media Inquiries</div>
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">Brooke Tucker-Reid</div>
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">(647) 528-9601</div>
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif;"><u>brooke_tucker-reid@manulife.com</u></div>
            <div style="line-height: 13.45pt;"><font style="line-height: 13.45pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif; font-weight: bold;">Investor Relations</div>
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif;">Adrienne O&#8217;Neill</div>
            <div style="margin-right: 4.5pt; line-height: 14.9pt; font-family: Arial, sans-serif;">(416) 926-6997</div>
            <div style="line-height: 14.9pt; font-family: Arial, sans-serif;"><u>adrienne_oneill@manulife.com</u></div>
            <div style="line-height: 13.45pt;"><font style="line-height: 13.45pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 13.45pt;"><br style="line-height: 13.45pt;">
    </div>
    <br>
    <br>
    <hr noshade="noshade" align="left" style="background-color: #000000; border: 0px; height: 1px; width: 2in; margin-left: 0pt; margin-right: auto; color: #000000;">
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,sans-serif; font-size: 7pt;">1</td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP measures&#8221; below and in our 2020 MD&amp;A for additional information.</div>
          </td>
        </tr>

    </table>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-family: Arial,'sans-serif';" id="DSPFPageBreakArea">
      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: Arial, 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">5</font></div>
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    </div>
    <div style="line-height: 13.45pt;"><br style="line-height: 13.45pt;">
    </div>
    <div style="line-height: 12.55pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">EARNINGS:</div>
    <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The following table reconciles core earnings to net income attributed to shareholders:</div>
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          <td valign="bottom" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="10" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
            <div style="text-align: center; line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">Quarterly Results</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">Full Year 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: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -12pt; margin-right: 18.6pt; margin-left: 12pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">($ millions)</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);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">4Q20</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">4Q19</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;"><font style="font-weight: bold;">Core earnings</font><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" 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%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Global Wealth and Asset Management</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: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">304</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt;">308</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: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt;">$</font></div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt;">265</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,100</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,021</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Asia</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">571</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">494</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">2,110</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">2,005</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Canada</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">316</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">279</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">288</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,174</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,201</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">U.S.</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">479</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">498</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">489</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,995</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,876</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="margin-right: 18.6pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">(196</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(191</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(159</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">(863</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(499</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">-</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">400</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,474</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,453</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,477</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">5,516</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">6,004</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: 9.7pt; margin-top: 6pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">Items excluded from core earnings:</div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">585</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">182</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">(792</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">366</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Direct impact of equity markets and interest rates and variable annuity guarantee
              liabilities</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">(323</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(389</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">932</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(778</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(198</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">-</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">(198</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Reinsurance transactions</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">44</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">276</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(34</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">341</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">81</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: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Tax-related items and other</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);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">-</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(8</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">(50</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">)</div>
          </td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 40%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt; 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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,780</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">2,068</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,228</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">5,871</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">5,602</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>

    </table>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-top: 2pt; margin-bottom: 2pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z985d0e37cb5f4bdbb2ac6ecec78365bd">

          <tr>
            <td style="width: 18pt; vertical-align: top;">
              <div style="line-height: 8pt; margin-top: 2pt; margin-bottom: 2pt; font-family: Arial, sans-serif; font-size: 7pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
            </td>
            <td style="vertical-align: top;">
              <div style="line-height: 8pt; margin-top: 2pt; margin-bottom: 2pt; font-family: Arial,sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our 2020 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, sans-serif; font-size: 11pt; font-weight: bold;">PERFORMANCE AND NON-GAAP MEASURES:</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">We use a number of non-GAAP financial measures to measure overall performance and to assess each of our businesses. A financial measure is considered a non-GAAP
      measure if it is presented other than in accordance with generally accepted accounting principles used for the Company&#8217;s audited financial statements. Non-GAAP measures referenced in this news release include: core earnings; core ROE; diluted core
      earnings per common share; core investment gains; core general expenses; expense efficiency ratio; APE sales; new business value; gross flows; net flows; assets under management and administration; average assets under management and administration
      (&#8220;average AUMA&#8221;); 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 2020 MD&amp;A.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt; font-family: Arial,'sans-serif';" id="DSPFPageBreakArea">
      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-family: Arial, 'sans-serif'; font-weight: normal; font-style: normal;" id="DSPFPageNumber">6</font></div>
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    <div style="margin-right: 21.6pt; line-height: 15.05pt; margin-top: 6pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">CAUTION REGARDING FORWARD-LOOKING STATEMENTS:</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">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: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The forward-looking statements in this document include, but are not limited to, statements with respect to our expense efficiency target, and also relate to, among
      other things, our objectives, goals, strategies, intentions, plans, beliefs, expectations and estimates, and can generally be identified by the use of words such as &#8220;may&#8221;, &#8220;will&#8221;, &#8220;could&#8221;, &#8220;should&#8221;, &#8220;would&#8221;, &#8220;likely&#8221;, &#8220;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: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">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: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">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: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Additional information about material risk factors that could cause actual results to differ materially from expectations and about material factors or assumptions
      applied in making forward-looking statements may be found in our 2020 Management&#8217;s Discussion and Analysis under &#8220;Risk Factors and Risk Management&#8221; and &#8220;Critical Actuarial and Accounting Policies&#8221; and in the &#8220;Risk Management&#8221; note to the Consolidated
      Financial Statements for the year ended December 31, 2020 as well as elsewhere in our filings with Canadian and U.S. securities regulators.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
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      <div style="width: 100%;" id="DSPFPageFooter">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-style: normal; font-variant: normal; text-transform: none;">February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
      </div>
      <div style="text-align: right;" id="DSPFPageNumberArea"><font style="font-weight: normal; font-style: normal;" id="DSPFPageNumber">7</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
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    <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The forward-looking statements in this document are, unless otherwise indicated, stated as of the date hereof and are presented for the purpose of assisting investors
      and others in understanding our financial position and results of operations, our future operations, as well as our objectives and strategic priorities, and may not be appropriate for other purposes. We do not undertake to update any forward-looking
      statements, except as required by law.</div>
    <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
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    </div>
    <div style="line-height: 11.4pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> February 10, 2021 &#8211; Press Release Reporting Fourth Quarter Results</div>
  </div>
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<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>exhibit99-2.htm
<DESCRIPTION>EXHIBIT99-2-NR-DIV
<TEXT>
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    <!-- Licensed to: Manulife Financial Corporation
         Document created using EDGARfilings PROfile 7.3.2.0
         Copyright 1995 - 2021 Broadridge -->
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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>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">C$ unless otherwise stated</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 288pt">&#160;</font><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">TSX/NYSE/PSE: MFC&#160; &#160;&#160; SEHK: 945<br>
        For Immediate Release<br>
        February 10, 2021</font></div>
    <div style="line-height: 23.3pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 12.5pt; font-weight: bold;"><br>
      <font style="font-size: 14pt;">Manulife declares common share dividend</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', 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 March 19, 2021 to shareholders of record at the close of business on February 23, 2021<font style="font-family: 'Times New Roman', serif;">.</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', 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>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;"><font style="font-weight: bold;">About Manulife</font><br>
      Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, 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 2020, we had more than 37,000
      employees, over 118,000 agents, and thousands of distribution partners, serving over 30 million customers. As of December 31, 2020, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, and in the previous 12 months we
      made $31.6 billion in payments to our customers. Our principal operations are in Asia, Canada and the United States where we have served customers for more than 155 years. We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges
      and under '945' in Hong Kong.</div>
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    </div>
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    </div>
    <table cellspacing="0" cellpadding="0" id="zf082691a295d493386d1d3f2a9a0daf8" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

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

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