<SEC-DOCUMENT>0001086888-21-000038.txt : 20210505
<SEC-HEADER>0001086888-21-000038.hdr.sgml : 20210505
<ACCEPTANCE-DATETIME>20210505171002
ACCESSION NUMBER:		0001086888-21-000038
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		5
CONFORMED PERIOD OF REPORT:	20210505
FILED AS OF DATE:		20210505
DATE AS OF CHANGE:		20210505

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:		21894471

	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-1QNRS-5MAY2021
<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>
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    </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;">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="line-height: 15.95pt;"><br style="line-height: 15.95pt;">
    </div>
    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <u>May, 2021</u></div>
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    </div>
    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;"><font style="font-size: 16pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(Translation of registrant's name into English)</div>
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    </div>
    <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 style="text-align: justify; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;"> <br>
    </div>
    <div style="text-align: justify; line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): <font style="font-family: '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>
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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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          <td style="width: 8%; vertical-align: top; border-top: 2px solid rgb(0, 0, 0);">&#160;</td>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
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          <td style="width: 86.75%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; first quarter results dated May 5, 2021</div>
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          <td style="width: 86.75%; vertical-align: top;">
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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: 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>
          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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          <td style="width: 41.48%; vertical-align: top;">&#160;</td>
          <td style="width: 58.52%; vertical-align: top;">&#160;</td>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Kay Song</font></div>
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            <div style="text-indent: -36.6pt; margin-left: 36.6pt; line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Title:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Assistant
                Corporate Secretary</font></div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Date:&#160; May 5, 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: 86.83%; vertical-align: top;">&#160;</td>
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          <td style="width: 8%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">99.1</div>
          </td>
          <td style="width: 86.83%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; first quarter results dated May 5, 2021</div>
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          <td style="width: 86.83%; vertical-align: top;">
            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">News release &#8211; quarterly dividend announcement dated May 5, 2021</div>
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        <div style="line-height: 11.95pt; margin-bottom: 2pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">C$ unless otherwise stated<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 12pt" id="TRGRRTFtoHTMLTab">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>TSX/NYSE/PSE: MFC&#160; &#160; SEHK: 945</div>
        <div style="line-height: 11.95pt; margin-bottom: 6pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 10.5pt; font-weight: bold;">May 5, 2021</div>
      </div>
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            <div style="line-height: 10.95pt; 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 First Quarter 2021 Report to Shareholders, including our unaudited interim Consolidated Financial Statements for the three months ended March 31, 2021, 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>www.manulife.com/en/investors/results-and-reports. <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="margin-right: 2.9pt; line-height: 14.4pt; margin-top: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif; font-size: 11pt;"><font style="font-weight: bold;">Manulife reports 1Q21 net income of $783 million and core earnings</font><font style="font-weight: bold;"> of $1.6 billion with strong growth in Asia and Global Wealth and Asset Management</font></div>
    <div style="margin-right: 12.6pt; line-height: 14.9pt; margin-bottom: 3pt; font-family: Arial, sans-serif;">Today, Manulife announced its first quarter of 2021 (&#8220;1Q21&#8221;) results. Key highlights include:</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 $783 million in 1Q21, down $513 million from the first quarter of 2020 (&#8220;1Q20&#8221;)</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 earnings<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.6 billion in 1Q21, up 67%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> from 1Q20</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 13.7% and ROE of 6.4% in 1Q21</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;">NBV<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $599 million in 1Q21, up 32% from 1Q20</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;">APE sales<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.8 billion in 1Q21, up 14% from 1Q20</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Global Wealth and Asset Management (&#8220;Global WAM&#8221;) net inflows<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $1.4 billion in 1Q21, compared with net inflows of $3.2 billion in 1Q20</div>
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              <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;">3</sup> of 137%</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Expense efficiency ratio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of 48.5%, compared with our target of consistently achieving less than 50%</div>
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              <div style="line-height: 13.7pt; margin-bottom: 2pt; font-family: Arial, sans-serif;">Embedded value<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> of $61.1 billion or $31.49 per share, as of December 31, 2020, up $1.70 per share from 2019</div>
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    <div style="line-height: 13.7pt; margin-top: 12pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;We delivered very strong operating results in the first quarter of 2021, driven by double-digit growth in core earnings across all of our operating
      segments. While the overall impact of higher interest rates is positive over the long term for our Company, higher risk-free rates and a steepening yield curve within North America impacted net income in the quarter,&#8221; said Manulife President &amp;
      Chief Executive Officer Roy Gori.</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;Despite ongoing challenges presented by the pandemic, the global strength and diversity of our business continues to shine through. We are progressing on our digital
      transformation with auto-underwriting at 72%, straight-through-processing<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> at 81% and eClaims at 92%. We delivered 14% growth in APE sales, driven by a very strong result in Asia and continued demand for our innovative Vitality solution in
      the U.S. And, we generated net inflows of $1.4 billion in our Global Wealth and Asset Management business, supported by strength in our Retail</div>
    <br>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,'sans-serif'; font-size: 7pt;"><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;">Core earnings, core return on common shareholders&#8217; equity (&#8220;core ROE&#8221;), new business value (&#8220;NBV&#8221;), annualized premium equivalent (&#8220;APE&#8221;) sales, net flows, expense efficiency ratio
              and embedded value are non-GAAP measures. See &#8220;Performance and Non-GAAP Measures&#8221; below and in our First Quarter 2021 Management&#8217;s Discussion and Analysis (&#8220;1Q21 MD&amp;A&#8221;) for additional information.</div>
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          <td style="width: 9pt; vertical-align: top; font-size: 7pt; font-family: Arial,'sans-serif';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, 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 1Q21 MD&amp;A for additional information.</div>
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          <td style="width: 9pt; vertical-align: top; font-size: 7pt; font-family: Arial,'sans-serif';"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, 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;" class="DSPFListTable" id="z3be4b08e5d4c48c1ba5e52d645ffe0f8">

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          <td style="width: 9pt; vertical-align: top; font-family: Arial,'sans-serif'; font-size: 7pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup></td>
          <td style="width: auto; vertical-align: top;">
            <div style="font-family: Arial, sans-serif; font-size: 7pt;">Straight-through-processing includes money movement.</div>
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          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
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      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">1</font></div>
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    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">and Retirement businesses. I am optimistic for the future and confident that Manulife is well positioned to continue to serve our customers well throughout the
      recovery,&#8221; Mr. Gori noted.</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Phil Witherington, Chief Financial Officer, said, &#8220;Our insurance business delivered excellent new business results, with double-digit growth in new business value in
      Asia and the U.S., reflecting a return of strong customer demand. In addition, we saw a notable uptick in our NBV margin in the quarter as we continue to benefit from our scale in Asia.&#8221;</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">&#8220;Our expense efficiency ratio improved to 48.5% in the quarter, favourable to our 50% target. We remain steadfast in our commitment to expense discipline and are
      making solid progress towards achieving a ratio of 50% or less,&#8221; added Mr. Witherington.</div>
    <div style="line-height: 12.55pt; margin-top: 12pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">BUSINESS HIGHLIGHTS:</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">We continued to make progress on our digital journey in 1Q21, through a variety of initiatives. In Canada, we completed the
      migration of our Group Benefits clients to one administration system, and launched a new Advisor Portal across our businesses<font style="font-family: 'Arial Narrow', sans-serif; font-size: 11pt;">&#160;</font>to improve advisors&#8217; experiences with us. In
      the U.S., we piloted a new portal for distributors to submit forms and client information for our international products. In Asia, our Global WAM business launched a money market fund with OVO (PT Visionet Internasional), Indonesia&#8217;s leading digital
      payments platform, and its strategic partner Bareksa (PT Bareksa Portak Investasi), Indonesia&#8217;s first online mutual fund marketplace. The result combines digital money and online investment to reach a younger generation of investors in a growing and
      important market for us. Further in April, we launched a new digital sales platform in Vietnam that allows our customers to seamlessly purchase health insurance online.</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Additionally in Canada<font style="font-family: 'Times New Roman', serif;">,</font> our Group Benefits business
      introduced Personalized Medicine, which combines access to advanced pharmacogenetics and pharmacist assistance to help members find the most effective medication for their condition.&#160;In North America, we expanded our John Hancock Vitality and
      Manulife <font style="font-style: italic;">Vitality</font> programs to reward customers who received their COVID-19 vaccine. In our Global WAM business, we expanded our environmental, social, and
      governance (&#8220;ESG&#8221;) offerings with the launch of two ESG thematic investment strategies, Sustainable Asia Bond and Global Climate.</div>
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          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
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      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">2</font></div>
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    <div style="line-height: 12.55pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">FINANCIAL HIGHLIGHTS:</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%; border-bottom: #000000 solid 2px;">
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1Q21</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
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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>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">783</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">1,296</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: 76%;">
            <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;">$</div>
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          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,629</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">1,028</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: 76%;">
            <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>
          </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;">0.38</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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">0.64</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
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        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-right: 18.6pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Diluted core earnings per common share ($)<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(1)</sup></div>
          </td>
          <td valign="bottom" 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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">0.82</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">0.51</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: 76%;">
            <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;">6.4</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>
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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;">10.4</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;">%</div>
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        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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;">13.7</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;">8.2</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;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">48.5</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <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="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">60.0</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">%</div>
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          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">477</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">356</div>
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          <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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">78</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">77</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: 76%;">
            <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>
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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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">44</div>
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          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">36</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">599</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">469</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,280</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">1,084</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">355</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">376</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">150</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">141</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1,785</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">1,601</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1.4</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">3.2</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: 76%;">
            <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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">39.7</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">38.2</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: 76%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">764.1</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">636.2</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%;">
            <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>
          </td>
          <td valign="bottom" 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;">137</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;">155</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: 76%;">
            <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;">29.5</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; 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;">23.0</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: 76%;">
            <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;">23.40</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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">26<font style="font-family: 'Times New Roman', serif;">.</font>53</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 76%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: -9pt; margin-left: 9pt; line-height: 9.7pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8.5pt;">Book value per common share excluding AOCI ($)</div>
          </td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">21.84</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">20<font style="font-family: 'Times New Roman', serif;">.</font>29</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
        </tr>

    </table>
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          <td style="width: 9pt; vertical-align: top; font-size: 7pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">(<font style="font-family: Arial,'sans-serif';">1)</font></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 1Q21 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: 15.75pt; margin-top: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Reported net income attributed to shareholders of $783 million in 1Q21, down $513 million from 1Q20</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The decrease reflects<font style="color: #000000;"> losses in 1Q21 from the direct impact of markets driven by the steepening of the yield curve in North America
        (compared with net gains in 1Q20 related to spreads partially offset by losses related to equity markets), partially offset by higher core earnings and improved investment-related experience (gain in 1Q21 compared with losses in 1Q20). </font><font style="color: #000000;">Investment-related experience in 1Q21 reflected higher-than-expected returns (including fair value changes) on alternative long-duration assets primarily due to fair value gains on private equity investments</font>&#160;<font style="color: #000000;">partially offset by </font><font style="color: #000000;">lower-than-assumed returns on real estate, the favourable impact of fixed income reinvestment activities and favourable credit experience</font>.</div>
    <div style="line-height: 16.4pt; margin-top: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Delivered core earnings of $1.6 billion in 1Q21, an increase of 67% compared with 1Q20</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">The increase in core earnings in 1Q21 compared with 1Q20 was driven by the favourable impact of markets on seed money investments in new segregated and mutual funds
      (compared to losses in the prior year quarter), higher new business gains in Asia and the U.S., and the recognition of core investment gains<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> in the quarter (compared with nil core investment gains in the prior year quarter). Further
      contributing to the increase was favourable net policyholder experience, higher fee income from higher average AUMA<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> in Global WAM, and in-force business growth across all 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;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></td>
          <td style="width: auto; vertical-align: top; font-size: 7pt;">
            <div style="font-family: Arial,'sans-serif';">Core investment gains and average assets under management and administration (&#8220;average AUMA&#8221;) are non-GAAP measures. See &#8220;Performance and non-GAAP measures&#8221; below and in our 1Q21 MD&amp;A for
              additional information.</div>
          </td>
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          </div>
          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
      </div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">3</font></div>
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    <div style="line-height: 16.4pt; margin-top: 6pt; 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: 15.75pt; margin-top: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">New business value (&#8220;NBV&#8221;) of $599 million in 1Q21, an increase of 32% compared with 1Q20</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif;">In Asia, NBV increased 39% to $477 million driven by higher sales volumes and product management actions in Hong Kong and higher sales volumes and
      favourable product mix in Asia Other<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>, partially offset by lower sales volumes and unfavourable product mix in Japan from a shift to lower margin corporate-owned life insurance (&#8220;COLI&#8221;) products. In Canada, NBV of $78 million was
      consistent with the prior year quarter, as a more favourable product mix offset the impact of lower APE sales in Individual Insurance. In the U.S., NBV of $44 million was up 30% primarily driven by higher sales volumes and more favourable product
      mix.</div>
    <div style="line-height: 15.75pt; margin-top: 6pt; color: #000000; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Annualized premium equivalent (&#8220;APE&#8221;) sales of $1.8 billion in 1Q21, an increase of 14% compared with 1Q20</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">In Asia, APE sales increased 22% driven by growth in Hong Kong and Asia Other, partially offset by lower sales in Japan. In Hong Kong, APE sales increased 10% driven
      by strong growth in our bank channel. Asia Other APE sales increased 35%, driven by higher sales in Singapore, mainland China, Vietnam and Indonesia and included double-digit growth in both bancassurance and agency channels. In Japan, APE sales
      declined 2% driven by the adverse impact of COVID-19, partially offset by an increase in COLI sales. In Canada, APE sales decreased 6%, primarily driven by the non-recurrence of a large affinity markets sale in 1Q20, partially offset by higher sales
      of lower risk segregated fund products. In the U.S., APE sales increased 13%, <font style="color: #000000;">driven by our domestic indexed universal life products and recently launched international savings product. </font>Sales of products with
      the John Hancock Vitality PLUS feature in 1Q21 increased 20% compared with 1Q20 as the feature continues to be a key differentiator.</div>
    <div style="margin-right: 21.6pt; line-height: 15.75pt; margin-top: 6pt; font-family: Arial, sans-serif; font-size: 11pt; font-weight: bold;">Reported Global Wealth and Asset Management net inflows of $1.4 billion in 1Q21, compared with 1Q20 net
      inflows of $3.2 billion</div>
    <div style="line-height: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;">Net outflows in Asia were $7.4 billion in 1Q21 compared with net inflows of $0.6 billion in 1Q20, reflecting a $9.4 billion redemption in Institutional Asset
      Management, partially offset by higher gross flows<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> across all business lines. Net inflows in Canada were $4.5 billion in 1Q21 compared with net inflows of $2.8 billion in 1Q20, mainly driven by higher net inflows across our Retail product
      line-up partially offset by the non-recurrence of large equity mandate sales in Institutional Asset Management in 1Q20. In the U.S., 1Q21 net inflows were $4.2 billion compared with net outflows of $0.2 billion in 1Q20, driven by higher Retail net
      flows from strong intermediary sales and lower mutual fund redemptions, as well as lower redemptions in Institutional Asset Management, partially offset by lower net inflows in Retirement.</div>
    <div style="line-height: 13.7pt; margin-top: 6pt; font-family: Arial, sans-serif; font-weight: bold;"><font style="font-size: 11pt;">QUARTERLY EARNINGS RESULTS CONFERENCE CALL</font>&#160;</div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; color: #000000; font-family: Arial, sans-serif;">Manulife Financial Corporation will host a First Quarter 2021 Earnings Results Conference Call at 8:00 a.m. ET on May 6, 2021. For local and
      international locations, please call 416-340-2217 or toll free, North America 1-800-806-5484 (Passcode: 7783211#). 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 May 6, 2021 through August 6, 2021 by calling 905-694-9451 or 1-800-408-3053 (Passcode: 2407413#).</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 May 6, 2021. You may access the webcast at:<u> </u></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 First Quarter 2021 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>
    <br>
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          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif; font-weight: bold;">Media Inquiries</div>
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif;">Sean B. Pasternak</div>
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif;">(416) 254-2114</div>
            <div style="line-height: 11.4pt; color: #0000FF; font-family: Arial, sans-serif;">sean_pasternak@manulife.com</div>
            <div style="line-height: 11.4pt;"><font style="line-height: 11.4pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif; font-weight: bold;">Investor Relations</div>
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif;">Adrienne O&#8217;Neill</div>
            <div style="line-height: 11.4pt; font-family: Arial, sans-serif;">(416) 926-6997</div>
            <div style="line-height: 11.4pt; color: #0000FF; font-family: Arial, sans-serif;">adrienne_oneill@manulife.com</div>
          </td>
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          <td style="width: 9pt; vertical-align: top; font-family: Arial,'sans-serif'; font-size: 7pt;"><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;">Asia Other excludes Japan and Hong Kong.<br>
            </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;" class="DSPFListTable">

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            <td style="width: 9pt; vertical-align: top; font-family: Arial,'sans-serif'; font-size: 7pt;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-family: Arial, sans-serif; font-size: 7pt;">This item is a non-GAAP measure. See &#8220;Performance and non-GAAP measures&#8221; below and in our 1Q21 MD&amp;A for additional information.</div>
            </td>
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          </div>
          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
      </div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">4</font></div>
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    <div style="line-height: 12.55pt; margin-top: 12pt; 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>
    <table cellspacing="0" cellpadding="0" id="za2bc7c81304b4ade9619738d1877c465" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; text-align: left; color: #000000; width: 100%;">

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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>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">1Q21</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">4Q20</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1Q20</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%;">
            <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>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%;">
            <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;">$</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">312</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">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;">250</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%;">
            <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;">570</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;">571</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;">491</div>
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          <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: 64%;">
            <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>
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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;">264</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;">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;">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: 64%;">
            <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;">501</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;">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;">416</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: 64%;">
            <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;">(118</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;">(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;">)</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%;">
            <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: 64%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">100</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%;">
            <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;">1,629</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;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,474</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</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;">1,028</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: 64%;">
            <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;">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%;">&#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;">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;">(608</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: 64%;">
            <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>
          </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;">(835</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;">(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;">)</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;">792</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: 64%;">
            <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;">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%;">&#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;">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;">12</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: 64%;">
            <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;">Restructuring charge</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;">(115</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;">-</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;">-</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: 64%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">19</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">72</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 64%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">$</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt;"><font style="font-family: Arial, sans-serif; font-size: 8.5pt; font-weight: bold;">783</font></div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">$</div>
          </td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,780</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#160;</td>
          <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">
            <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: #000000 solid 2px;">
            <div style="line-height: 9.7pt; font-family: Arial, sans-serif; font-size: 8.5pt;">1,296</div>
          </td>
          <td valign="bottom" nowrap="nowrap" colspan="1" style="vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px;">&#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="zd7703bb015c44bff960cd1513b5c8de7">

          <tr>
            <td style="width: 9pt; vertical-align: top; align: right;">
              <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 1Q21 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; embedded 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 First Quarter 2021 MD&amp;A and 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>
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    </div>
    <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
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          <div style="line-height: 0pt;"><br style="line-height: 0pt;">
          </div>
          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
      </div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">5</font></div>
      <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: 13.7pt; margin-bottom: 6pt;"><br style="line-height: 13.7pt;">
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    </div>
    <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 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 under &#8220;Risk Factors and Risk Management&#8221; and &#8220;Critical Actuarial and Accounting Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent annual report, under &#8220;Risk Management
      and Risk Factors Update&#8221; and &#8220;Critical Actuarial and Accounting Policies&#8221; in the Management&#8217;s Discussion and Analysis in our most recent interim report, in the &#8220;Risk Management&#8221; note to the consolidated financial statements in our most recent annual
      and interim reports as well as elsewhere in our filings with Canadian and U.S. securities regulators.</div>
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          </div>
          <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
        </div>
      </div>
      <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">6</font></div>
      <div style="page-break-after:always;" id="DSPFPageBreak">
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    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 14.9pt; 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: 14.9pt; margin-bottom: 6pt; font-family: Arial, sans-serif;"> <br>
    </div>
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        </div>
        <div style="line-height: 9.1pt; margin-top: 2pt; font-family: Arial, sans-serif; font-size: 8pt;">May 5, 2021 &#8211; Press Release Reporting First Quarter Results</div>
      </div>
    </div>
  </div>
  <div id="DSPFPageNumberArea" style="text-align: right;"><font id="DSPFPageNumber" style="font-family: 'Arial Narrow', 'sans-serif'; font-weight: normal; font-style: normal;">7</font></div>
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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>exhibit99-2.htm
<DESCRIPTION>EXHIBIT99-2-NR-DIV
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Manulife Financial Corporation
         Document created using EDGARfilings PROfile 7.4.0.0
         Copyright 1995 - 2021 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; text-align: left; color: #000000;">
  <div><br>
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  <div>
    <div id="DSPFPageHeader">
      <div style="line-height: 12.55pt;"><img width="136" height="23" src="image0.jpg"></div>
    </div>
    <div style="text-indent: 90.85pt; line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="line-height: 29.65pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 26pt; font-weight: bold;">News<br>
      Release</div>
    <div style="line-height: 17.7pt;"><br style="line-height: 17.7pt;">
    </div>
    <div style="line-height: 17.7pt;"><font style="font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">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>
        May 5, 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 June 21, 2021 to shareholders of record at the close of business on May 18, 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-weight: bold;">About Manulife</div>
    <div style="line-height: 12.55pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 11pt;">Manulife Financial Corporation is a leading international financial services provider 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 our global wealth
      and asset management segment, Manulife Investment Management, serves individuals, institutions and retirement plan members worldwide.<font style="font-family: Calibri, sans-serif;">&#160;</font>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 March 31, 2021, we had CAD$1.3 trillion (US$1.0 trillion) in assets under management and administration, and in the previous 12 months we
      made $31.3 billion in payments to our customers. Our principal operations are in Asia, Canada and the United States where we have served customers for more than 155 years. We trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges
      and under '945' in Hong Kong.</div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <table cellspacing="0" cellpadding="0" id="zc69b227384824606949e2955200b48be" 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;">Cheryl Holmes</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;">416-557-0945</div>
            <div style="line-height: 18.8pt; font-family: 'Manulife JH Sans', sans-serif; font-size: 9.5pt;">cheryl_holmes@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>
            <div style="line-height: 18.8pt;"><font style="line-height: 18.8pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 20.5pt;"><br style="line-height: 20.5pt;">
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
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