<SEC-DOCUMENT>0001086888-22-000022.txt : 20220315
<SEC-HEADER>0001086888-22-000022.hdr.sgml : 20220315
<ACCEPTANCE-DATETIME>20220315135825
ACCESSION NUMBER:		0001086888-22-000022
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220315
FILED AS OF DATE:		20220315
DATE AS OF CHANGE:		20220315

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:		22740390

	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-MFC-US-UA-15MAR2022
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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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      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="text-align: center; line-height: 15.95pt; font-family: 'Times New Roman', serif; font-size: 14pt; font-weight: bold;">Form 6-K
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
    <div style="line-height: 9.1pt;"><br style="line-height: 9.1pt;">
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">REPORT OF <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">FOREIGN</font> PRIVATE ISSUER
      PURSUANT TO RULE 13<font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">a</font>-16 OR <font style="font-family: 'Times New Roman Bold', 'Times New Roman', serif;">15d</font>-16 UNDER THE</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SECURITIES EXCHANGE ACT OF 1934</div>
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    </div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">For the month of <u>March, 2022</u></div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Commission File Number: 1-14942</div>
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    <div style="text-align: center; line-height: 11.4pt; font-family: 'Times New Roman', serif;"><font style="font-size: 16pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">(Translation of registrant's name into English)</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman Bold', '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;">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Form 20-F</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Form 40-F</div>
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    <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): <font style="font-family: 'Arial Narrow', sans-serif;">&#9744;</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;">&#9744;</font></div>
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      <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The document contained in Exhibit 99.1 of this Form 6-K is incorporated by reference in the Registration Statement on Form F-10 (Registration No. 333-259543)
        filed by the registrant with the Securities and Exchange Commission.</div>
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    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">DOCUMENTS FILED AS PART OF THIS FORM 6-K</div>
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    <div style="text-indent: 36pt; line-height: 12.55pt; color: #000000; font-family: 'Times New Roman', serif; font-size: 11pt;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference as part of this Form 6-K:</div>
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            <div style="line-height: 12.55pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Underwriting Agreement dated March 14, 2022, among Manulife Financial Corporation and the underwriters named therein.</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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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">By:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-family: 'Times New Roman', serif; font-size: 11pt;"><font style="font-style: italic;">/s/</font>&#160;<font style="font-style: italic;">Kay Song</font></font></div>
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            <div style="line-height: 12.55pt;"><font style="font-family: 'Times New Roman', serif; font-size: 11pt;">Name:</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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;&#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; March 15, 2022</div>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit99.htm
<DESCRIPTION>EXHIBIT99.1-MFC-US-UA-15MAR2022
<TEXT>
<html>
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      <div style="text-align: right; line-height: 13.7pt; font-weight: bold;">EXECUTION VERSION</div>
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    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
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    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">DEBT SECURITIES</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">UNDERWRITING AGREEMENT</div>
    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 14, 2022</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">To the Underwriters named in <u>Schedule&#160;II</u> hereto</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Ladies and Gentlemen:</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Manulife Financial Corporation, a Canadian corporation incorporated under the <font style="font-style: italic;">Insurance
        Companies Act </font>(Canada) (the &#8220;<u>Company</u>&#8221;), proposes to issue and sell to the underwriters named in <u>Schedule&#160;II</u> hereto (the &#8220;<u>Underwriters</u>&#8221;) the aggregate principal amounts of its 3.703% Senior Notes due 2032 set forth in <u>Schedule



        I</u> hereto (the &#8220;<u>Securities</u>&#8221;), to be issued pursuant to the provisions of an indenture dated as of September&#160;17, 2010 (as amended and supplemented, the &#8220;<u>Base Indenture</u>&#8221;) between the Company and The Bank of New York Mellon, as
      trustee (the &#8220;<u>Trustee</u>&#8221;), as amended and supplemented by a fourth supplemental indenture thereto relating to the Securities, to be dated as of the Closing Date (as defined in <u>Section&#160;4</u> hereof), between the Company and the Trustee (the &#8220;<u>Fourth




        Supplemental Indenture</u>&#8221; and, together with the Base Indenture, as so amended and supplemented, the &#8220;<u>Indenture</u>&#8221;). Citigroup Global Markets Inc., BofA Securities, Inc., Goldman Sachs &amp; Co. LLC and Morgan Stanley &amp; Co. LLC shall act
      as representatives of the several Underwriters (the &#8220;<u>Representatives</u>&#8221;).</div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">1.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Representations and Warranties</font>.&#160; The Company represents and warrants to and agrees with each of the Underwriters that:</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company meets the requirements under the <font style="font-style: italic;">Securities Act </font>(Ontario) and the rules, regulations and national, multijurisdictional or local
        instruments and published policy statements applicable in the Province of Ontario, including the rules and procedures established pursuant to National Instrument 44-101 &#8212; <font style="font-style: italic;">Short Form&#160;Prospectus Distributions </font>and



        National Instrument 44-102 &#8212; <font style="font-style: italic;">Shelf Distributions </font>(the &#8220;<u>Shelf Procedures</u>&#8221;), for the distribution of the Securities in the Province of Ontario pursuant to a final short form base shelf prospectus
        (collectively, the &#8220;<u>Ontario Securities Laws</u>&#8221;); a final short form base shelf prospectus in respect of up to CDN$10,000,000,000 aggregate initial offering amount of debt securities, preferred shares, common shares, subscription receipts,
        warrants and units of the Company (the &#8220;<u>Shelf Securities</u>&#8221;) has been filed with the Ontario Securities Commission (the &#8220;<u>Reviewing Authority</u>&#8221;) and each of the applicable securities commissions or similar regulatory authorities in each
        of the provinces and territories of Canada (the &#8220;<u>Canadian Securities Regulators</u>&#8221;) in respect of the offering of the Shelf Securities; a receipt has been obtained from the Reviewing Authority for and on behalf of itself and each of the other
        Canadian Securities Regulators pursuant to Multilateral Instrument 11-202 &#8212; <font style="font-style: italic;">Passport System </font>and National Policy 11-202 &#8212; <font style="font-style: italic;">Process for Prospectus Reviews in Multiple
          Jurisdictions </font>(collectively, the &#8220;<u>Passport System</u>&#8221;) in respect of such final short form base shelf prospectus in the form heretofore delivered to the Representatives (together with all documents filed in connection therewith and
        all documents incorporated by reference therein); no other document pertaining to such final</font></div>
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      <font style="font-family: 'Times New Roman', serif; font-size: 12pt;">short form base shelf prospectus or document incorporated by reference therein has been filed with the Reviewing Authority as principal regulator and with each of the other
        Canadian Securities Regulators except for any documents heretofore delivered to the Representatives; no order having the effect of ceasing or suspending the distribution of the Shelf Securities (including the Securities) has been issued by the
        Reviewing Authority or any other Canadian Securities Regulator and no proceeding for that purpose has been initiated or, to the knowledge of the Company, threatened by the Reviewing Authority or any other Canadian Securities Regulator (the final
        short form base shelf prospectus, as most recently amended, if applicable, filed with the Reviewing Authority as principal regulator and with each of the other Canadian Securities Regulators on or before the date of this Agreement for which a
        receipt has been obtained from the Reviewing Authority for and on behalf of itself and each of the other Canadian Securities Regulators pursuant to the Passport System being hereinafter called the &#8220;<u>Canadian Basic Prospectus</u>&#8221;).&#160; The
        preliminary prospectus supplement relating to the offering of the Securities which excludes certain pricing information and other final terms of the Securities, together with the Canadian Basic Prospectus, is hereinafter called the &#8220;<u>Canadian
          Preliminary Prospectus</u>&#8221;; the final prospectus supplement relating to the offering of the Securities which includes the pricing and other information omitted from the Canadian Preliminary Prospectus, to be filed with the Reviewing Authority as
        principal regulator and with each of the other Canadian Securities Regulators in accordance with the Shelf Procedures and in accordance with <u>Section 6(a)</u> hereof, together with the Canadian Basic Prospectus, is hereinafter called the &#8220;<u>Canadian



          Prospectus</u>&#8221;.&#160; As used herein, the terms &#8220;Canadian Basic Prospectus,&#8221; &#8220;Canadian Preliminary Prospectus,&#8221; and &#8220;Canadian Prospectus&#8221; shall include the documents, if any, incorporated by reference therein.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company meets the general eligibility requirements for use of Form F-10 under the U.S. Securities Act of 1933, as amended (the &#8220;<u>Securities Act</u>&#8221;).&#160; The Company has filed with
        the Securities and Exchange Commission (the &#8220;<u>Commission</u>&#8221;) a registration statement on Form F-10 (File No.&#160;333-259543), as amended, relating to the Shelf Securities and an appointment of agent for service of process on Form F-X (the &#8220;<u>Form&#160;F-X</u>&#8221;)




        relating to the registration statement.&#160; The Company has caused the Trustee to prepare and file with the Commission a Form T-1 Statement of Eligibility and Qualification of the Trustee (the &#8220;<u>Form&#160;T-1</u>&#8221;) under the Trust Indenture Act of 1939,
        as amended (the &#8220;<u>Trust Indenture Act</u>&#8221;); there are no reports or other information that in accordance with the requirements of the Reviewing Authority must be made publicly available in connection with the offering of the Securities that have
        not been made publicly available as required; there are no documents required to be filed with the Reviewing Authority in connection with the Prospectuses (as defined below) that have not been filed as required; there are no contracts, documents or
        other materials required to be described or referred to in the Registration Statement or the Prospectuses or to be filed or incorporated by reference as exhibits to the Registration Statement that are not described, referred to or filed or
        incorporated by reference as required and, in the case of those documents filed, that have not been delivered to the Representatives.&#160; The registration statement as amended as of the Effective Date (as defined below), including the prospectus
        constituting a part thereof, all exhibits thereto (but excluding the Form T-1) and the documents incorporated by reference therein at the time such registration statement became effective, and including any information deemed by virtue of Rule 430B
        under the Securities Act to be part of the registration statement as of the Effective Date (&#8220;<u>430B Information</u>&#8221;), is hereinafter called the &#8220;<u>Registration Statement</u>&#8221;); &#8220;<u>Effective Date</u>&#8221; means the effective date of the Registration
        Statement pursuant to</font></div>
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Rule&#160;430B under the Securities Act for purposes of liability under <u>Section&#160;11</u> of the Securities Act of the Company or the Underwriters with
        respect to the offering of the Securities; the base prospectus relating to the Shelf Securities filed as part of the Registration Statement, in the form in which it has most recently been filed with the Commission on or prior to the date of this
        Agreement, is hereinafter called the &#8220;<u>Basic Prospectus</u>&#8221;; the Basic Prospectus, as supplemented by the preliminary prospectus supplement specifically relating to the Securities, in the form in which it has most recently been filed with the
        Commission on or prior to the date of this Agreement, is hereinafter referred to as the &#8220;<u>Preliminary Prospectus</u>&#8221;.&#160; For purposes of this Agreement, &#8220;<u>free writing prospectus</u>&#8221; has the meaning set forth in Rule&#160;405 under the Securities
        Act, &#8220;<u>Time of Sale Prospectus</u>&#8221; means the Preliminary Prospectus together with the final term sheet substantially in the form set forth in <u>Schedule&#160;IV</u> hereto and the other free writing prospectuses, if any, each identified in <u>Schedule&#160;I</u>
        hereto, &#8220;<u>electronic road shows</u>&#8221; means any &#8220;bona fide electronic road show&#8221; as defined in Rule 433(h)(5) under the Securities Act, and &#8220;<u>Prospectus</u>&#8221; means the final prospectus supplement relating to the offering of the Securities that
        discloses the public offering price and other 430B Information and other final terms of the Securities, together with the Basic Prospectus, filed with the Commission pursuant to General Instruction II.L. of Form F-10 in accordance with <u>Section
          6(a)</u> hereof.&#160; As used herein, the terms &#8220;Basic Prospectus,&#8221; &#8220;Preliminary Prospectus,&#8221; &#8220;Time of Sale Prospectus&#8221; and &#8220;Prospectus&#8221; shall include the documents, if any, incorporated by reference therein as of the relevant time.</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Terms &#8220;<u>supplement</u>,&#8221; &#8220;<u>amendment</u>,&#8221; and &#8220;<u>amend</u>&#8221; as used herein with respect to the Registration
      Statement, the Canadian Basic Prospectus, the Canadian Preliminary Prospectus, the Canadian Prospectus, the Basic Prospectus, the Preliminary Prospectus, the Time of Sale Prospectus, the Prospectus or any free writing prospectus shall include any
      document subsequently filed by the Company pursuant to the Shelf Procedures or the Securities Exchange Act of 1934, as amended (the &#8220;<u>Exchange Act</u>&#8221;), as the case may be, that are deemed to be incorporated by reference therein.&#160; As used herein,
      &#8220;<u>Basic Prospectuses</u>&#8221; shall mean, collectively, the Canadian Basic Prospectus and the Basic Prospectus; &#8220;<u>Preliminary Prospectuses</u>&#8221; shall mean, collectively, the Canadian Preliminary Prospectus and the Preliminary Prospectus; and &#8220;<u>Prospectuses</u>&#8221;
      shall mean, collectively, the Canadian Prospectus and the Prospectus.</div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each document filed or to be filed with the Reviewing Authority and incorporated by reference in the Canadian Preliminary Prospectus or the Canadian Prospectus, as amended or
        supplemented, if applicable, when such documents were or are filed with the Reviewing Authority, conformed or will conform when so filed in all material respects to the requirements of the securities laws, rules, regulations and published policy
        statements, blanket orders, orders, national and local instruments and notices applicable in each of the provinces and territories of Canada (&#8220;<u>Canadian Securities Laws</u>&#8221;), and none of such documents, as of their respective dates, contained or
        will contain any untrue statement of material fact or omitted or will omit to state a material fact required to be stated therein or necessary to make the statements therein, in the light of the circumstances under which they were made, not
        misleading; each document, if any, filed or to be filed pursuant to the Exchange Act and incorporated by reference in the Time of Sale Prospectus or the Prospectus complied or will comply when so filed in all material respects with the Exchange Act
        and the applicable rules and regulations of the Commission thereunder, and none of such documents, as of their respective dates, contained or will contain any untrue statement of a material fact or omitted or will omit to state a material fact
        required to be stated therein or necessary to make the statements therein, in</font></div>
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">the light of the circumstances under which they were made, not misleading; <u>provided</u><font style="font-style: italic;">, </font><u>however</u>,
        that this representation and warranty shall not apply to any statements or omissions contained in the Canadian Preliminary Prospectus, the Canadian Prospectus, the Time of Sale Prospectus or the Prospectus, as amended or supplemented, if
        applicable, made in reliance upon and in conformity with information relating to any Underwriter furnished to the Company in writing by such Underwriter through the Representatives expressly for use therein as of the relevant time.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(d)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Canadian Basic Prospectus conforms, and the Canadian Prospectus, as amended or supplemented, if applicable, will conform, in all material respects with the applicable requirements
        of Canadian Securities Laws; the Canadian Preliminary Prospectus, as of its filing date, did not, and the Canadian Prospectus, as amended or supplemented, if applicable, as of its filing date and as of the Closing Date, will not, contain any untrue
        statement of a material fact or omit to state a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading; and the Canadian Preliminary Prospectus, as of its filing date,
        constituted, and the Canadian Prospectus, as amended or supplemented, if applicable, as of its filing date and as of the Closing Date, will constitute, full, true and plain disclosure of all material facts relating to the Securities and the Company
        within the meaning of the <font style="font-style: italic;">Securities Act </font>(Ontario); <u>provided</u><font style="font-style: italic;">, </font><u>however</u>, that this representation and warranty shall not apply to any statements or
        omissions contained in the Canadian Preliminary Prospectus or the Canadian Prospectus, as amended or supplemented, if applicable, made in reliance upon and in conformity with information relating to any Underwriter furnished to the Company in
        writing by such Underwriter through the Representatives expressly for use therein.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(e)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Registration Statement has become effective; no stop order suspending the effectiveness of the Registration Statement is in effect, and no proceedings for such purpose are pending
        before, or to the knowledge of the Company, threatened by the Commission.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(f)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)&#160;Each part of the Registration Statement, as of the Effective Date, did not contain, and each such part, as amended or supplemented, if applicable, will not contain any untrue
        statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading, (ii)&#160;the Registration Statement, as of the Effective Date, the Preliminary Prospectus, as of the
        date of the preliminary prospectus supplement specifically relating to the Securities, and the Time of Sale Prospectus, as of the Time of Sale (which shall be defined to be 3:50 p.m. Eastern Standard Time on the date hereof), complied, and as
        amended or supplemented, if applicable, will comply, as of the date of the final prospectus supplement specifically relating to the Securities, and the Prospectus, as of the date of the final prospectus supplement specifically relating to the
        Securities, and as amended or supplemented on or prior to the Closing Date, if applicable, will comply, in all material respects with the Securities Act and the applicable rules and regulations of the Commission thereunder, (iii)&#160;the Time of Sale
        Prospectus, as of the Time of Sale, did not, and at the Closing Date, the Time of Sale Prospectus, as then amended or supplemented by the Company, if applicable, will not, contain any untrue statement of a material fact or omit to state a material
        fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, (iv)&#160;each electronic road show, when considered together with the Time of Sale Prospectus, does not contain any untrue
        statement of a material fact or omit to state&#160; </font></div>
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">a material fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading and (v)&#160;the
        Prospectus, as amended or supplemented, if applicable, as of the date of the final prospectus specifically relating to the Securities and as of the Closing Date, will not contain any untrue statement of a material fact or omit to state a material
        fact necessary to make the statements therein, in the light of the circumstances under which they were made, not misleading, except that the representations and warranties set forth in this paragraph do not apply to (A)&#160;any statements or omissions
        made in reliance upon and in conformity with information relating to any Underwriter furnished to the Company in writing by such Underwriter through the Representatives expressly for use therein or (B)&#160;that part of the Registration Statement that
        constitutes the Form T-1.&#160; As of the respective date of each and on the Closing Date, the Preliminary Prospectus conforms in all material respects to the Canadian Preliminary Prospectus, and the Prospectus, as amended or supplemented, if
        applicable, will conform in all material respects to the Canadian Prospectus, as amended or supplemented, if applicable, in each case except for such deletions therefrom and additions thereto as are permitted or required by Form F-10 and the
        applicable rules and regulations of the Commission.&#160; The Form F-X conforms in all material respects with the requirements of the Securities Act and the rules and regulations of the Commission under the Securities Act.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(g)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company is not an &#8220;ineligible issuer&#8221; in connection with the offering pursuant to Rules&#160;164, 405 and 433 under the Securities Act.&#160; Any free writing prospectus that the Company is
        required to file pursuant to Rule 433(d) under the Securities Act has been, or will be, filed with the Commission in accordance with the requirements of the Securities Act and the applicable rules and regulations of the Commission thereunder.&#160; Each
        free writing prospectus that the Company has filed, or is required to file, pursuant to Rule 433(d) under the Securities Act or that was prepared by or on behalf of or used or referred to by the Company complies or will comply in all material
        respects with the requirements of the Securities Act and the applicable rules and regulations of the Commission thereunder.&#160; Except for the free writing prospectuses identified in <u>Schedule&#160;I</u> hereto forming part of the Time of Sale
        Prospectus and the electronic road shows, each furnished to the Representatives before first use, the Company has not used or referred to, and will not, without the prior consent of the Representatives, use or refer to, any free writing prospectus.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(h)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company has been duly incorporated and organized and is validly existing as an insurance company with common shares under the <font style="font-style: italic;">Insurance Companies
          Act </font>(Canada) (the &#8220;<u>ICA</u>&#8221;), is duly qualified to carry on its business in each jurisdiction in which the conduct of its business or the ownership, leasing or operation of its property and assets requires such qualification except to
        the extent that the failure to so qualify would not have a material adverse effect on the condition, financial or otherwise, or the results of operations, business affairs or business prospects of the Company and its subsidiaries, taken as a whole
        (a &#8220;<u>Material Adverse Effect</u>&#8221;) and has all requisite power and authority (corporate and other) to conduct its businesses and to own, lease and operate its properties and assets as described in the Time of Sale Prospectus, except where failure
        to do so would not reasonably be expected to have a Material Adverse Effect, and to execute, deliver and perform its obligations under this Agreement and to issue, sell and deliver the Securities.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company (i)&#160;is a &#8220;reporting issuer&#8221; within the meaning of the <font style="font-style: italic;">Securities Act </font>(Ontario) and the comparable provisions of Canadian
        Securities Laws in each of</font></div>
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      </div>
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    </div>
    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">the other provinces and territories of Canada; and (ii)&#160;is not in default under any requirement of Canadian Securities Laws, except where such
        default would not reasonably be expected to have a Material Adverse Effect or materially adversely impact the Company&#8217;s ability to execute, deliver and perform its obligations under this Agreement and to issue, sell and deliver the Securities.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(j)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each &#8220;significant subsidiary&#8221; (as defined in Rule&#160;1-02(w) of Regulation&#160;S-X under the Securities Act) (the &#8220;<u>Significant Subsidiaries</u>&#8221;) of the Company has been duly incorporated
        and is validly existing under the laws of the relevant jurisdiction set forth opposite its name in Column 2 in <u>Schedule&#160;III</u> to this Agreement, and each Significant Subsidiary is duly qualified to carry on its business in each jurisdiction
        in which the conduct of its business or the ownership, leasing or operation of its property and assets requires such qualification, except where the failure to be so qualified would not have a Material Adverse Effect, and has all requisite power
        and authority (corporate and other) to conduct its business and to own, lease and operate its properties and assets as described in the Time of Sale Prospectus, except where failure to do so would not reasonably be expected to have a Material
        Adverse Effect.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(k)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each of the Company and its subsidiaries has conducted and is conducting its business in compliance in all respects with all applicable laws, rules and regulations of each jurisdiction
        in which its business is carried on and holds all licences, permits, approvals, consents, certificates, registrations and authorizations (whether governmental, regulatory or otherwise), including insurance licences from the relevant regulatory or
        governmental authority in all such jurisdictions in which the Company or its subsidiaries conduct insurance business (the &#8220;<u>Insurance Licences</u>&#8221;), to enable its business to be carried on as now conducted and its property and assets to be
        owned, leased and operated, except in each case where the failure to be in such compliance or to hold such licence, permit, approval, consent, certificate, registration or authorization (including any Insurance Licence) would not have a Material
        Adverse Effect; and all such licences, permits, approvals, consents, certificates, registrations and authorizations are in good standing and in effect, except where the failure to be in good standing or in effect would not have a Material Adverse
        Effect, and none of the same contains any term, provision, condition or limitation which will have a Material Adverse Effect.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(l)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The execution and delivery by the Company of this Agreement and the performance by the Company of its obligations under this Agreement, the Indenture and the Securities will not result
        in a breach or violation of or default under, and will not create a state of facts which, after notice or lapse of time or both, would result in a breach or violation of or default under:</font></div>
    <div>
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          <tr>
            <td style="width: 144pt;">&#160;</td>
            <td style="width: 36pt; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">(i)&#160; <br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">any of the terms, conditions or provisions of the by-laws, constating documents or resolutions of the shareholders or directors (or
                any committee thereof) of the Company or any Significant Subsidiary;</div>
            </td>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">(ii) <br>
              </div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">any license, permit, approval, consent, certificate, registration or authorization (whether governmental, regulatory or otherwise)
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">it is contractually bound at the Time of Delivery (as defined in <u>Section&#160;4</u>), except for breaches, violations or defaults
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        subsidiaries or any of their properties (&#8220;<u>Governmental Authorization</u>&#8221;) is required in connection with the issuance and sale of the Securities or the consummation by the Company of the transactions contemplated by this Agreement or the
        Indenture, except such as have been, or will have been prior to the Time of Delivery, obtained under the laws of the provinces and territories of Canada, the Securities Act and the Trust Indenture Act and such Governmental Authorizations as may be
        required under state securities or blue sky laws in connection with the purchase and distribution of the Securities by the Underwriters.</font></div>
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        reorganization or similar laws affecting creditors&#8217; rights generally and general principles of equity and subject to the qualifications that equitable remedies may only be granted in the discretion of a court of competent jurisdiction.&#160; The Fourth
        Supplemental Indenture has been duly authorized by the Company and, when executed and delivered by the Company, and assuming the due authorization, execution and delivery thereof by the Trustee, will constitute a legal, valid and binding obligation
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">except as enforcement thereof may be limited by bankruptcy, insolvency, fraudulent conveyances, reorganization or similar laws affecting creditors&#8217;
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        fraudulent conveyances, reorganization or similar laws affecting creditors&#8217; rights generally and general principles of equity and subject to the qualifications that equitable remedies may only be granted in the discretion of a court of competent
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        Shares and an unlimited number of Class 1 Shares, of which the Company had issued and outstanding: approximately 1,943 million common shares; 14 million Class A Shares Series 2; 12 million Class A Shares Series 3; approximately 6.538 million Class
        1 Shares Series 3; approximately 1.462 million Class 1 Shares Series 4; 10 million Class 1 Shares Series 7; 10 million Class 1 Shares Series 9; 8 million Class 1 Shares Series 11; 8 million Class 1 Shares Series 13; 8 million Class 1 Shares Series
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        authorized but not issued Class 1 Shares Series 8; Class 1 Shares Series 10; Class 1 Shares Series 12; Class 1 Shares Series 14; Class 1 Shares Series 16; Class 1 Shares Series 18; Class 1 Shares Series 20; Class 1 Shares Series 24; and Class 1
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        with the related schedules and notes, present fairly, in all material respects, the consolidated financial position of the Company and its subsidiaries at the dates indicated and the consolidated results of operations and the consolidated changes
        in financial position of the Company and its subsidiaries for the periods specified in accordance with International Financial Reporting Standards as issued by the International Accounting Standards Board (&#8220;<u>IFRS</u>&#8221;); and such consolidated
        financial statements, together with the related schedules and notes, have been prepared in conformity with IFRS, including the accounting requirements of the Office of the Superintendent of Financial Institutions (Canada), in each case consistently
        applied (except as disclosed in Note 2(a) to the Company's consolidated financial statements for the year ended December 31, 2021) throughout the periods involved.</font></div>
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        board, agency or body, domestic or foreign, now pending, or, to the knowledge of the Company, threatened, against or affecting the Company or any of its subsidiaries (i)&#160;other than proceedings accurately described in all material respects in the
        Time of Sale Prospectus and proceedings that would not have a Material Adverse Effect or a material adverse effect on the power or ability of the Company to perform its obligations under this Agreement, the Indenture or the Securities or to
        consummate the transactions contemplated by the Time of Sale Prospectus or (ii)&#160;that is required to be described in the Registration Statement or the Prospectuses and is not so described.</font></div>
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        against the Company or any Underwriter for a brokerage commission, finder&#8217;s fee or other like payment in connection with the offering of the Securities contemplated hereunder.</font></div>
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        subject to any governmental order by, or is a recipient of any presently applicable supervisory letter or other written communication of any kind from, any governmental authority which has had or reasonably would be expected to have a Material
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        human health and safety, the environment or hazardous or toxic substances or wastes, pollutants or contaminants (&#8220;<u>Environmental Laws</u>&#8221;), (ii)&#160;have received all permits, licenses or other approvals required of them under applicable
        Environmental Laws to conduct their respective businesses and (iii)&#160;are in compliance with all terms and conditions of any such permit, license or approval; except, in each case, where such noncompliance with Environmental Laws, failure to receive
        required permits, licenses or other approvals or failure to comply with the terms and conditions of such permits, licenses or approvals would not, individually or in the aggregate, have a Material Adverse Effect.</font></div>
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        disclosed by the Company in reports that it files or submits under the Exchange Act or Canadian Securities Laws is recorded, processed, summarized and reported within the time periods specified in the Commission&#8217;s or Reviewing Authority&#8217;s rules and
        forms, as applicable, including controls and procedures designed to ensure that such information is accumulated and communicated to the Company&#8217;s management as appropriate to allow timely decisions regarding required disclosure.&#160; As of December 31,
        2021, the Company evaluated the effectiveness of the Company&#8217;s disclosure controls and procedures as required by Rule&#160;13a-15 of the Exchange Act and as contemplated under NI 52-109, and, based on that evaluation, concluded that the Company&#8217;s
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        regarding the preparation and fair presentation of published financial statements in accordance with IFRS, including, but not limited to internal accounting controls sufficient to provide reasonable assurance (i)&#160;that transactions are executed in
        accordance with management&#8217;s general or specific authorizations; (ii)&#160;that transactions are recorded as necessary to permit preparation of financial statements in conformity with IFRS and to maintain asset accountability; (iii) that access to
        assets is permitted only in accordance with management&#8217;s general or specific authorization; (iv)&#160;that the recorded accountability for assets is compared with the existing assets at reasonable intervals and appropriate action is taken with respect
        to any differences; and (v)&#160;regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Company&#8217;s assets that could have a material effect on the Company&#8217;s annual financial statements or interim financial
        statements.&#160; Based on the Company&#8217;s management&#8217;s assessment of the effectiveness of the Company&#8217;s internal control over financial reporting as of December 31, 2021, the Company&#8217;s internal control over financial reporting was effective as of such
        date. The Company&#8217;s auditors and the Audit Committee of the Board of Directors have not been advised of: (A)&#160;any material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely
        affect the Company&#8217;s ability to record, process, summarize and report financial information; or (B)&#160;any fraud, whether or not material, that involves management or other employees who have a significant role in the Company&#8217;s internal control over
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        on behalf of the Company or any of its subsidiaries is aware of or has taken any action, directly or indirectly, that would result in a violation or a sanction for violation by such persons of the Foreign Corrupt Practices Act of 1977 or the U.K.
        Bribery Act 2010, each as amended, or similar law of any other relevant jurisdiction, or the rules or regulations thereunder; and the Company and its subsidiaries have instituted and maintain policies and procedures designed to ensure compliance
        therewith.&#160; No part of the proceeds of the offering will be used, directly or indirectly, in violation of the Foreign Corrupt Practices Act of 1977, as amended, or the U.K. Bribery Act 2010, as amended, or similar law of any other relevant
        jurisdiction, or the rules or regulations thereunder.</font></div>
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        requirements of the money laundering statutes and the rules and regulations thereunder and any related or similar rules, regulations or guidelines, issued, administered or enforced by any governmental agency that are applicable to the Company or
        its subsidiaries (collectively, the &#8220;<u>Money Laundering Laws</u>&#8221;) and no material action, suit or proceeding by or before any court or governmental agency, authority or body or any arbitrator involving the Company or any of its subsidiaries with
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        is, or is controlled or 50% or more owned in the aggregate by or is acting on behalf of, one or more individuals or entities that are currently the subject of any sanctions administered or enforced by the United States (including any administered
        or enforced by the Office of Foreign Assets Control of the U.S. Department of the Treasury, the U.S. Department of State or the Bureau of Industry and Security of the U.S. Department of Commerce), the United Nations Security Council, the European
        Union, a member state of the European Union, Her Majesty&#8217;s Treasury or other relevant sanctions authority (collectively, &#8220;<u>Sanctions</u>&#8221; and such persons, &#8220;<u>Sanctioned Persons</u>&#8221; and each such person, a &#8220;<u>Sanctioned Person</u>&#8221;), (ii) is
        located, organized or resident in a country or territory that is, or whose government is, the subject of Sanctions that broadly prohibit dealings with that country or territory (collectively, &#8220;<u>Sanctioned Countries</u>&#8221; and each, a &#8220;<u>Sanctioned
          Country</u>&#8221;) or (iii) will, directly or indirectly, use the proceeds of this offering, or lend, contribute or otherwise make available such proceeds to any subsidiary, joint venture partner or other individual or entity in any manner that would
        result in a violation of any Sanctions by, or could result in the imposition of Sanctions against, any individual or entity (including any individual or entity participating in the offering, whether as underwriter, advisor, investor or otherwise).&#160;
        Neither the Company nor any of its subsidiaries has engaged in any dealings or transactions with or for the benefit of a Sanctioned Person, or with or in a Sanctioned Country, in the preceding three years, nor does the Company or any of its
        subsidiaries have any plans to engage in dealings or transactions with or for the benefit of a Sanctioned Person, or with or in a Sanctioned Country. The immediately preceding sentence does not apply to a subsidiary&#8217;s dealings in or transactions
        with or for the benefit of a Sanctioned Person provided (i) the Sanctioned Person is a customer or client of the subsidiary, (ii) the Sanctioned Person was not a Sanctioned Person at the time they became a customer or client of the subsidiary,
        (iii) the subsidiary has not initiated new business with the Sanctioned Person since the time such person became a Sanctioned Person, (iv) to the knowledge of the Company, the Sanctioned Person is not located or resident in a Sanctioned Country and
        (v) compliance with the representation could result in a breach by the subsidiary of any applicable anti-boycott or blocking laws.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(hh)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company was not a &#8220;passive foreign investment company&#8221;, as such term is defined in the U.S. Internal Revenue Code of 1986, as amended, for its taxable year ended December&#160;31, 2021,
        and the Company does not believe it is currently a &#8220;passive foreign investment company&#8221;.</font></div>
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(ii)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company and its subsidiaries&#8217; information technology assets and equipment (collectively, &#8220;<u>IT Systems</u>&#8221;) are adequate for the operation of the business of the Company and its
        subsidiaries as currently conducted.&#160; The Company and its subsidiaries have taken reasonable steps to implement and maintain commercially reasonable policies, procedures, and safeguards to maintain the security of the IT Systems and the
        confidential information (&#8220;<u>Personal Data</u>&#8221;) used or otherwise obtained in connection with their businesses. During the last three years, there has not been any breach or violation of the Company&#8217;s and its subsidiaries IT Systems that has had
        a Material Adverse Effect, except as disclosed in the Time of Sale Prospectus.&#160; The Company and its subsidiaries are presently in compliance with all laws, regulations and court orders applicable to the security of IT Systems and Personal Data,
        except as would not, individually or in the aggregate, have a Material Adverse Effect.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">2.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Agreements to Sell and Purchase</font>.&#160; The Company hereby agrees to sell to the several Underwriters, and each Underwriter, upon the basis of the
        representations and warranties herein contained, but subject to the conditions hereinafter stated, agrees, severally and not jointly, to purchase from the Company all but not less than all of the respective principal amounts of Securities set forth
        in <u>Schedule&#160;II</u> hereto opposite its name at the purchase price set forth in <u>Schedule&#160;I</u> hereto.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">3.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Public Offering</font>.&#160; The Company is advised by the Representatives that the Underwriters propose to make a public offering of their respective
        portions of the Securities as soon after this Agreement has been entered into as in the Representatives&#8217; judgment is advisable.&#160; The Company is further advised by the Representatives that the Securities are to be offered to the public upon the
        terms set forth in the Time of Sale Prospectus and the Prospectuses.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">4.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Payment and Delivery</font>.&#160; Payment for the Securities by the Underwriters shall be made to or upon the order of the Company by wire transfer
        payable in same-day funds to an account specified by the Company on the closing date and time set forth in <u>Schedule&#160;I</u> hereto, or at such other time on the same or such other date as the Representatives and the Company may agree upon in
        writing.&#160; The time and date of such payment are hereinafter referred to as the &#8220;<u>Time of Delivery</u>&#8221; and such date, the &#8220;<u>Closing Date</u>.&#8221;</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Delivery of the Securities shall be made to the Representatives for the respective accounts of the several Underwriters
      against payment by the several Underwriters through the Representatives of the purchase price thereof.&#160; Delivery of the Securities shall be made through the facilities of The Depository Trust Company unless the Representatives shall otherwise
      instruct and agree to with the Company.</div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">5.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Conditions to the Underwriters&#8217; Obligations</font>.&#160; The several obligations of the Underwriters are subject, in the discretion of the
        Representatives, to the condition that all representations and warranties and other statements of the Company in this Agreement are, at and as of the Time of Delivery, true and correct, the condition that the Company shall have performed all of its
        obligations hereunder theretofore to be performed, and the following additional conditions:</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)&#160; The Canadian Prospectus shall have been filed with the Reviewing Authority and each of the other Canadian Securities Regulators under the Shelf</font></div>
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    </div>
    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Procedures and (ii)&#160;the Prospectus shall have been filed with the Commission pursuant to General Instruction II.L. of Form F-10 under the Securities
        Act, in each case within the applicable time period prescribed for such filing thereunder and in accordance with <u>Section 6(a)</u> hereof; no order having the effect of ceasing or suspending the distribution of the Securities or stop order
        suspending the effectiveness of the Registration Statement or any part thereof or having the effect of preventing or suspending the use of any prospectus relating to the Securities shall have been issued and no proceeding for that purpose shall
        have been initiated or, to the knowledge of the Company, threatened by the Canadian Securities Regulators or the Commission; and all requests for additional information on the part of the Canadian Securities Regulators or the Commission shall have
        been complied with to the Representatives&#8217; reasonable satisfaction.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Subsequent to the execution and delivery of this Agreement and prior to the Time of Delivery:</font></div>
    <div>
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            <td style="width: 153pt;">&#160;</td>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">(i)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">there shall not have occurred any downgrading, nor shall any notice have been given of any intended or potential downgrading or of
                any review for a possible change that does not indicate the direction of the possible change, in the rating accorded any of the debt securities of the Company or any of its subsidiaries by any &#8220;nationally recognized statistical rating
                organization,&#8221; as such term is defined in Section 3(a)(62) of the Exchange Act; and</div>
            </td>
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          <tr>
            <td style="width: 153pt;">&#160;</td>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">(ii)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">there shall not have occurred any change, or any development involving a prospective change, in the condition, financial or
                otherwise, or in the earnings, business or operations of the Company and its subsidiaries, taken as a whole, from that set forth in the Time of Sale Prospectus that, in the judgment of the Representatives, is material and adverse and that
                makes it, in the judgment of the Representatives, impracticable to market the Securities on the terms and in the manner contemplated in the Time of Sale Prospectus.</div>
            </td>
          </tr>

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    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date a certificate, dated the Closing Date and signed by an executive officer of the Company, to the effect set forth in <u>Section&#160;5(b)(i)</u>
        above and to the effect that the representations and warranties of the Company contained in this Agreement are true and correct as of the Closing Date and that the Company has complied with all of the agreements and satisfied all of the conditions
        on its part to be performed or satisfied hereunder on or before the Closing Date.</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The officer signing and delivering such certificate may rely upon the best of his or her knowledge as to proceedings
      threatened.</div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(d)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date an opinion of Torys LLP, Canadian counsel for the Company, dated the Closing Date, in substantially the form attached hereto as
        Exhibit&#160;A-1.&#160; Torys LLP may limit their opinion to matters arising under the laws of the Province of Ontario and the federal laws of Canada applicable therein.</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 id="DSPFPageNumber">13</font></div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(e)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date an opinion and negative assurance letter of Debevoise &amp; Plimpton LLP, United States counsel for the Company, each dated the
        Closing Date, in substantially the forms attached hereto as Exhibit&#160;A-2 and Exhibit A-3.&#160; Debevoise &amp; Plimpton LLP may limit their opinion to matters arising under the laws of the State of New York and the federal laws of the United States of
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    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(f)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date opinions of local counsel for the Company (which may include in-house counsel), each dated the Closing Date, to the effect that
        each Restricted Subsidiary (as defined in the Base Indenture) has been duly incorporated, is validly existing as a corporation in good standing under the laws of the jurisdiction of its incorporation, has the corporate power and authority to own
        its property and to conduct its business as described in the Time of Sale Prospectus and is duly qualified to transact business and is in good standing in each jurisdiction in which the conduct of its business or its ownership or leasing of
        property requires such qualification, except to the extent that the failure to be so qualified or be in good standing would not have a Material Adverse Effect.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(g)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date an opinion of in-house counsel for the Company, dated the Closing Date, in substantially the form attached hereto as
        Exhibit&#160;A-4.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(h)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received on the Closing Date an opinion of Paul, Weiss, Rifkind, Wharton &amp; Garrison LLP, United States counsel for the Underwriters, dated the Closing
        Date, with respect to the issuance and sale of the Securities, the Indenture, the Registration Statement, the Time of Sale Prospectus, the Prospectus as amended or supplemented, if applicable, and other related matters as the Representatives may
        reasonably require.&#160; Paul, Weiss, Rifkind, Wharton &amp; Garrison LLP may limit their opinion to matters arising under the laws of the State of New York and the federal laws of the United States of America.</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The opinions of counsel for the Company described in subsections (d)&#160;and (e)&#160;above shall be rendered to the Underwriters
      at the request of the Company and shall so state therein.</div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriters shall have received, on each of the date hereof and the Closing Date, a letter dated the date hereof or the Closing Date, as the case may be, in form and substance
        satisfactory to the Underwriters, from Ernst &amp; Young LLP, chartered accountants, containing statements and information of the type ordinarily included in accountants&#8217; &#8220;comfort letters&#8221; to underwriters with respect to the financial statements
        and certain financial information contained in the Registration Statement, the Time of Sale Prospectus and the Prospectuses, as amended or supplemented, if applicable.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">6.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Covenants of the Company</font>.&#160; The Company covenants with each Underwriter as follows:</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To prepare the Canadian Prospectus and the Prospectus in a form approved by the Representatives and (i)&#160;to file the Canadian Prospectus with the Reviewing</font></div>
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      <div id="DSPFPageFooter">
        <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font id="DSPFPageNumber">14</font></div>
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Authority and each of the other Canadian Securities Regulators in accordance with the Shelf Procedures not later than the Reviewing Authority&#8217;s
        close of business on the business day following the execution and delivery of this Agreement and (ii)&#160;to file the Prospectus with the Commission pursuant to General Instruction II.L. of Form F-10 under the Securities Act not later than the
        Commission&#8217;s close of business on the business day following the execution and delivery of this Agreement; before amending or supplementing the Registration Statement, the Time of Sale Prospectus or the Prospectuses prior to the Time of Delivery,
        to furnish to the Representatives a copy of each such proposed amendment or supplement and not to file any such proposed amendment or supplement to which the Representatives shall have reasonably objected in a timely manner by written notice to the
        Company; to file promptly all reports required to be filed by the Company with the Reviewing Authority and each of the other Canadian Securities Regulators pursuant to Canadian Securities Laws and the Commission pursuant to <u>Section&#160;13(a)</u>, <u>13(c)</u>
        or <u>15(d)</u> of the Exchange Act for so long as the delivery of a prospectus is required in connection with the offering or sale of the Securities, and during such same period to advise the Representatives, promptly after it receives notice
        thereof, (A)&#160;of the time when any amendment to the Canadian Preliminary Prospectus or Canadian Prospectus has been filed or receipted, when any supplement to the Canadian Preliminary Prospectus or Canadian Prospectus has been filed, when any
        amendment to the Registration Statement has been filed or becomes effective or any supplement to the Preliminary Prospectus or the Prospectus has been filed, in each case, as applicable, with the Reviewing Authority and each of the other Canadian
        Securities Regulators or the Commission, (B)&#160;of the issuance by the Reviewing Authority or the Commission of any stop order or of any order preventing or suspending the use of any prospectus relating to the Securities or the effectiveness of the
        Registration Statement, (C)&#160;of the suspension of the qualification of the Securities for offering or sale in any jurisdiction or the initiation or threatening of any proceeding for any such purpose, or (D)&#160;of any request by the Reviewing Authority
        and each of the other Canadian Securities Regulators or the Commission for the amending or supplementing of the Registration Statement, the Basic Prospectuses, the Preliminary Prospectuses, the Time of Sale Prospectus or the Prospectuses or for
        additional information relating to the Securities; and, in the event of the issuance of any such stop order or of any such order preventing or suspending the use of any prospectus relating to the Securities or suspending any such qualification, to
        promptly use its best efforts to obtain the withdrawal of such order.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To endeavor to qualify the Securities for offer and sale under the securities or Blue Sky laws of such jurisdictions as the Representatives shall reasonably request; <u>provided</u>,<font style="font-style: italic;">&#160;</font>that in no event shall the Company be obligated to qualify to do business in any jurisdiction where it is not now so qualified, to file any general consent to service of process or to take any action that would
        subject it to general service of process or to taxation in any jurisdiction where it is not now so subject.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To furnish to the Representatives, without charge, a signed copy of the Registration Statement (including exhibits thereto but excluding any exhibits and documents incorporated by
        reference) and to deliver to each of the Underwriters, so long as delivery of a prospectus by an Underwriter or dealer may be required by the Securities Act, as many copies of the Time of Sale Prospectus, the Prospectuses, any documents
        incorporated therein by reference therein and any supplements and amendments thereto or to the Registration Statement as the Representatives may reasonably request.</font></div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(d)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To furnish to the Representatives a copy of each proposed free writing prospectus to be used by, or referred to by the Company and not to use or refer to any proposed free writing
        prospectus to which the Representatives reasonably object.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(e)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Not to take any action that would result in an Underwriter or the Company being required to file with the Commission pursuant to Rule 433(d) under the Securities Act a free writing
        prospectus prepared by or on behalf of the Underwriter that the Underwriter otherwise would not have been required to file thereunder.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(f)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">If the Time of Sale Prospectus is being used to solicit offers to buy the Securities at a time when the Prospectus is not yet available to prospective purchasers and any event shall
        occur or condition exist as a result of which it is necessary to amend or supplement the Time of Sale Prospectus in order to make the statements therein, in the light of the circumstances under which they were made, not misleading, or if any event
        shall occur or condition exist as a result of which the Time of Sale Prospectus conflicts with the information contained in the Registration Statement then on file, or if, in the opinion of counsel for the Underwriters, it is necessary to amend or
        supplement the Time of Sale Prospectus or to file under Canadian Securities Laws or the Exchange Act any document incorporated by reference in the Time of Sale Prospectus in order to comply with Canadian Securities Laws, the Securities Act, the
        Exchange Act or the Trust Indenture Act, forthwith to notify the Representatives and, upon the request of the Representatives, prepare, file with the Reviewing Authority or the Commission, as applicable, and furnish, at its own expense, to the
        Underwriters and to any dealer upon request, either amendments or supplements to the Time of Sale Prospectus so that the statements in the Time of Sale Prospectus as so amended or supplemented will not, in the light of the circumstances when
        delivered to a prospective purchaser, be misleading or so that the Time of Sale Prospectus, as amended or supplemented, will no longer conflict with the Registration Statement, or so that the Time of Sale Prospectus, as amended or supplemented,
        will comply with applicable law.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(g)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">If, during such period after the filing of the Prospectuses with the Reviewing Authority and the Commission, as applicable, the Prospectus (or in lieu thereof the notice referred to in
        Rule 173(a) under the Securities Act) is required by law to be delivered in connection with sales by an Underwriter or dealer, any event shall occur or condition exist as a result of which it is necessary to amend or supplement the Prospectuses in
        order to make the statements therein, in the light of the circumstances when such Prospectus (or in lieu thereof the notice referred to in Rule 173(a) under the Securities Act) is delivered to a purchaser, not misleading, or if, in the opinion of
        counsel for the Underwriters, it is necessary to amend or supplement such Prospectuses or to file under Canadian Securities Laws or the Exchange Act any document incorporated by reference in such Prospectuses in order to comply with Canadian
        Securities Laws, the Securities Act, the Exchange Act or the Trust Indenture Act, forthwith to notify the Representatives, and, upon the request of the Representatives, prepare, file with the Reviewing Authority or the Commission, as applicable,
        and furnish, at its own expense, to the Underwriters and to the dealers (whose names and addresses the Representatives will furnish to the Company) to which Securities may have been sold by the Representatives on behalf of the Underwriters and to
        any other dealers upon request, either amendments or supplements to such Prospectus so that the statements in such Prospectuses as so amended or supplemented will not, in the light of the circumstances when such Prospectuses (or in lieu thereof the
        notice referred to</font></div>
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      <div id="DSPFPageFooter">
        <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font id="DSPFPageNumber">16</font></div>
      </div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">in Rule 173(a) under the Securities Act) are delivered to a purchaser, be misleading or so that such Prospectus, as amended or supplemented, will
        comply with applicable law.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(h)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To make generally available to the Company&#8217;s security holders and to the Representatives as soon as practicable, but in any event not later than eighteen months after the effective
        date (as defined in Rule 158(c) under the Securities Act) of the Registration Statement, an earnings statement of the Company and its subsidiaries (which need not be audited) covering a period of at least twelve months beginning with the first
        fiscal quarter of the Company occurring after the date of this Agreement which shall satisfy the provisions of <u>Section 11(a)</u> of the Securities Act and the rules and regulations of the Commission thereunder.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Whether or not the transactions contemplated in this Agreement are consummated or this Agreement is terminated, to pay or cause to be paid all expenses incident to the performance of
        its obligations under this Agreement, including: (i)&#160;the fees, disbursements and expenses of the Company&#8217;s counsel and the Company&#8217;s accountants in connection with the filing of the Canadian Basic Prospectus, the Canadian Preliminary Prospectus,
        the Canadian Prospectus and any amendment or supplement thereof with the Reviewing Authority and each of the other Canadian Securities Regulators, the registration and delivery of the Securities under the Securities Act and all other fees or
        expenses in connection with the preparation and filing of the Registration Statement, the Basic Prospectuses, the Preliminary Prospectuses, the Time of Sale Prospectus, the Prospectuses, any free writing prospectus prepared by or on behalf of, used
        by, or referred to by the Company and amendments and supplements to any of the foregoing, including the filing fees payable to the Commission relating to the Securities (within the time required by Rule&#160;456(b)(1), if applicable), all printing costs
        associated therewith, and the mailing and delivering of copies thereof to the Underwriters and dealers, in the quantities hereinabove specified, (ii)&#160;all costs and expenses related to the transfer and delivery of the Securities to the Underwriters,
        including any transfer or other taxes payable thereon, (iii)&#160;the cost of printing or producing any Blue Sky or legal investment memorandum in connection with the offer and sale of the Securities under state securities laws and all expenses in
        connection with the qualification of the Securities for offer and sale under state securities laws as provided in <u>Section 6(b)</u> hereof, including filing fees and the reasonable fees and disbursements of counsel for the Underwriters in
        connection with such qualification and in connection with the Blue Sky or legal investment memorandum, (iv)&#160;all filing fees and the reasonable fees and disbursements of counsel to the Underwriters incurred in connection with the review and
        qualification of the offering of the Securities by the Financial Industry Regulatory Authority, Inc., (v)&#160;any fees charged by the rating agencies for the rating of the Securities, (vi)&#160;the cost of the preparation, issuance and delivery of the
        Securities, (vii) the fees and expenses of any Trustee and any agent of any Trustee and the fees and disbursements of counsel for any Trustee in connection with any Indenture and the Securities, (viii)&#160;the costs and expenses of the Company relating
        to investor presentations on any &#8220;road show&#8221; undertaken in connection with the marketing of the offering of the Securities, including, without limitation, expenses associated with the preparation or dissemination of any electronic road show,
        expenses associated with the production of road show slides and graphics, fees and expenses of any consultants engaged in connection with the road show presentations with the prior approval of the Company, and travel and lodging expenses of the
        representatives and officers of the Company and any such consultants, (ix)&#160;the document production charges and expenses associated with printing this Agreement and (x) all other costs and expenses incident to the</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 id="DSPFPageNumber">17</font></div>
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    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">performance of the obligations of the Company hereunder for which provision is not otherwise made in this Section.&#160; It is understood, however, that,
        except as provided in this Section, <u>Section&#160;8</u> entitled &#8220;Indemnity and Contribution,&#8221; and the last paragraph of <u>Section&#160;10</u> below, the Underwriters will pay all of their own costs and expenses, including fees and disbursements of
        their counsel, transfer taxes payable on resale of any of the Securities by them and any advertising expenses connected with any offers they may make.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(j)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">If all the Securities have not been sold by the Underwriters by the date that is 25&#160;months after the initial effective date of the Registration Statement, prior to such date, to file a
        new shelf registration statement and to take any other action necessary to permit the public offering of the Securities to continue without interruption; references herein to the Registration Statement shall include the new registration statement
        declared effective by the Commission.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(k)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">During the period beginning on the date hereof and continuing to and including the Closing Date, not to offer, sell, contract to sell or otherwise dispose of in the United States any
        debt securities of the Company or warrants to purchase or otherwise acquire debt securities of the Company substantially similar to the Securities (other than (i)&#160;the Securities, (ii)&#160;commercial paper issued in the ordinary course of business or
        (iii)&#160;securities or warrants permitted with the prior written consent of the Representatives).</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(l)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To prepare a final term sheet relating to the offering of the Securities, containing only information that describes the final terms of the Securities or the offering in a form
        consented to by the Representatives, and to file such final term sheet within the period required by Rule 433(d)(5)(ii) under the Securities Act following the date the final terms have been established for the offering of the Securities.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">7.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Covenants of the Underwriters</font>.&#160; (a)&#160; Each Underwriter represents and warrants to, and agrees with, the Company and each other Underwriter that
        it has not made, and will not make, any offer relating to the Securities that would constitute a &#8220;free writing prospectus&#8221; (as defined in Rule 405 under the Act), without the prior consent of the Company and the Representatives; <u>provided</u>,<font style="font-style: italic;">&#160;</font><u>however</u>, that prior to the preparation of the final term sheet substantially in the form set forth in <u>Schedule&#160;IV</u> hereto, the Underwriters are authorized to use a free writing prospectus that
        contains only information (i)&#160;describing the preliminary terms of the Securities or their offering or (ii)&#160;describing the final terms of the Securities which will not be inconsistent with the final term sheet substantially in the form set forth in
        <u>Schedule&#160;IV</u> hereto.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each Underwriter, severally and not jointly (i) represents that it has not offered or sold, directly or indirectly, and agrees that it will not, directly or indirectly, offer, sell or
        deliver, any of the Securities in or from Canada or to any resident of Canada without the consent of the Company and (ii) agrees that it will include a comparable provision to clause (i) above of this Section 7(b) in any sub-underwriting, banking
        group or selling group agreement or similar arrangement with respect to the Securities that may be entered into by such Underwriter in connection with the offering of the Securities.</font></div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">8.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Indemnity and Contribution</font>.&#160; (a) The Company agrees to indemnify and hold harmless each Underwriter, each person, if any, who controls any
        Underwriter within the meaning of either <u>Section 15</u> of the Securities Act or <u>Section&#160;20</u> of the Exchange Act, each affiliate of any Underwriter within the meaning of Rule&#160;405 under the Securities Act and each agent of any Underwriter
        from and against any and all losses, claims, damages and liabilities (including, without limitation, any legal or other expenses reasonably incurred in connection with defending or investigating any such action or claim) caused by any untrue
        statement or alleged untrue statement of a material fact contained in the Registration Statement or any amendment thereof, the Basic Prospectuses, the Preliminary Prospectuses, the Time of Sale Prospectus, any issuer free writing prospectus as
        defined in Rule 433(h) under the Securities Act, any Company information that the Company has filed, or is required to file, pursuant to Rule 433(d) under the Securities Act or the Prospectuses or any amendment or supplement thereto, or caused by
        any omission or alleged omission to state therein a material fact required to be stated therein or necessary to make the statements therein not misleading, except insofar as such losses, claims, damages or liabilities are caused by any such untrue
        statement or omission or alleged untrue statement or omission based upon information relating to any Underwriter furnished to the Company in writing by such Underwriter through the Representatives expressly for use therein.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each Underwriter agrees, severally and not jointly, to indemnify and hold harmless the Company, its directors, its officers who sign the Registration Statement and each person, if any,
        who controls the Company within the meaning of either <u>Section&#160;15</u> of the Securities Act or <u>Section 20</u> of the Exchange Act to the same extent as the foregoing indemnity from the Company to such Underwriter, but only with reference to
        information relating to such Underwriter furnished to the Company in writing by such Underwriter through the Representatives expressly for use in the Registration Statement or any amendment thereof, the Basic Prospectuses, any preliminary
        prospectus, the Time of Sale Prospectus, the Prospectuses, any issuer free writing prospectus or any amendment or supplement thereto.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">In case any proceeding (including any governmental investigation) shall be instituted involving any person in respect of which indemnity may be sought pursuant to <u>Section 8(a)</u>
        or <u>8(b)</u>, such person (the &#8220;<u>indemnified party</u>&#8221;) shall promptly notify the person against whom such indemnity may be sought (the &#8220;<u>indemnifying party</u>&#8221;) in writing and the indemnifying party, upon request of the indemnified party,
        shall retain counsel reasonably satisfactory to the indemnified party to represent the indemnified party and any others the indemnifying party may designate in such proceeding and shall pay the fees and disbursements of such counsel related to such
        proceeding.&#160; In any such proceeding, any indemnified party shall have the right to retain its own counsel, but the fees and expenses of such counsel shall be at the expense of such indemnified party unless (i)&#160;the indemnifying party and the
        indemnified party shall have mutually agreed to the retention of such counsel or (ii)&#160;the named parties to any such proceeding (including any impleaded parties) include both the indemnifying party and the indemnified party and representation of
        both parties by the same counsel would be inappropriate due to actual or potential differing interests between them.&#160; It is understood that the indemnifying party shall not, in respect of the legal expenses of any indemnified party in connection
        with any proceeding or related proceedings in the same jurisdiction, be liable for the fees and expenses of more than one separate firm (in addition to any local counsel) for all such indemnified parties and that all such fees and expenses shall be
        reimbursed as they are incurred.&#160; Such firm shall be</font></div>
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    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">designated in writing by the Representatives, in the case of parties indemnified pursuant to <u>Section&#160;8(a)</u>, and by the Company, in the case
        of parties indemnified pursuant to <u>Section&#160;8(b)</u>.&#160; The indemnifying party shall not be liable for any settlement of any proceeding effected without its written consent, but if settled with such consent or if there be a final judgment for the
        plaintiff, the indemnifying party agrees to indemnify the indemnified party from and against any loss or liability by reason of such settlement or judgment.&#160; Notwithstanding the foregoing sentence, if at any time an indemnified party shall have
        requested an indemnifying party to reimburse the indemnified party for fees and expenses of counsel as contemplated by the second and third sentences of this paragraph, the indemnifying party agrees that it shall be liable for any settlement of any
        proceeding effected without its written consent if (i)&#160;such settlement is entered into more than 30&#160;days after receipt by such indemnifying party of the aforesaid request and (ii)&#160;such indemnifying party shall not have reimbursed the indemnified
        party in accordance with such request prior to the date of such settlement.&#160; No indemnifying party shall, without the prior written consent of the indemnified party, effect any settlement of any pending or threatened proceeding in respect of which
        any indemnified party is or could have been a party and indemnity could have been sought hereunder by such indemnified party, unless such settlement includes an unconditional release of such indemnified party from all liability on claims that are
        the subject matter of such proceeding.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(d)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">To the extent the indemnification provided for in <u>Section 8(a)</u> or <u>Section 8(b)</u> is unavailable to an indemnified party or insufficient in respect of any losses, claims,
        damages or liabilities referred to therein, then each indemnifying party under such paragraph, in lieu of indemnifying such indemnified party thereunder, shall contribute to the amount paid or payable by such indemnified party as a result of such
        losses, claims, damages or liabilities (i)&#160;in such proportion as is appropriate to reflect the relative benefits received by the Company on the one hand and the Underwriters on the other hand from the offering of the Securities or (ii)&#160;if the
        allocation provided by clause 8(d)(i) above is not permitted by applicable law, in such proportion as is appropriate to reflect not only the relative benefits referred to in clause 8(d)(i) above but also the relative fault of the Company on the one
        hand and of the Underwriters on the other hand in connection with the statements or omissions that resulted in such losses, claims, damages or liabilities, as well as any other relevant equitable considerations.&#160; The relative benefits received by
        the Company on the one hand and the Underwriters on the other hand in connection with the offering of the Securities shall be deemed to be in the same respective proportions as the net proceeds from the offering of the Securities (before deducting
        expenses) received by the Company and the total underwriting discounts and commissions received by the Underwriters bear to the aggregate initial public offering price of the Securities as set forth in the Prospectus.&#160; The relative fault of the
        Company on the one hand and the Underwriters on the other hand shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or the omission or alleged omission to state a material fact
        relates to information supplied by the Company or by the Underwriters and the parties&#8217; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission.&#160; The Underwriters&#8217; respective obligations to
        contribute pursuant to this <u>Section&#160;8</u> are several in proportion to the respective principal amounts of Securities they have purchased hereunder, and not joint.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(e)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company and the Underwriters agree that it would not be just or equitable if contribution pursuant to this <u>Section&#160;8</u> were determined by <u>pro</u>&#160;<u>rata</u> allocation</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 id="DSPFPageNumber">20</font></div>
      </div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(even if the Underwriters were treated as one entity for such purpose) or by any other method of allocation that does not take account of the
        equitable considerations referred to in <u>Section&#160;8(d)</u>.&#160; The amount paid or payable by an indemnified party as a result of the losses, claims, damages and liabilities referred to in <u>Section 8(d)</u> shall be deemed to include, subject to
        the limitations set forth above, any legal or other expenses reasonably incurred by such indemnified party in connection with investigating or defending any such action or claim.&#160; Notwithstanding the provisions of this <u>Section&#160;8</u>, no
        Underwriter shall be required to contribute any amount in excess of the amount by which the total price at which the Securities underwritten by it and distributed to the public were offered to the public exceeds the amount of any damages that such
        Underwriter has otherwise been required to pay by reason of such untrue or alleged untrue statement or omission or alleged omission.&#160; No person guilty of fraudulent misrepresentation (within the meaning of <u>Section 11(f)</u> of the Securities
        Act) shall be entitled to contribution from any person who was not guilty of such fraudulent misrepresentation.&#160; The remedies provided for in this <u>Section&#160;8</u> are not exclusive and shall not limit any rights or remedies which may otherwise be
        available to any indemnified party at law or in equity.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(f)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The indemnity and contribution provisions contained in this <u>Section&#160;8</u> and the representations, warranties and other statements of the Company contained in this Agreement shall
        remain operative and in full force and effect regardless of (i)&#160;any termination of this Agreement, (ii)&#160;any investigation made by or on behalf of any Underwriter, any person controlling any Underwriter or any affiliate or agent of any Underwriter
        or by or on behalf of the Company, its officers or directors or any person controlling the Company and (iii)&#160;acceptance of and payment for any of the Securities.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">9.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Termination</font>.&#160; The Underwriters may terminate this Agreement by notice given by the Representatives to the Company, if after the execution and
        delivery of this Agreement and prior to the Time of Delivery (i)&#160;trading generally shall have been suspended or materially limited on, or by, as the case may be, any of the New York Stock Exchange, the Nasdaq Stock Market or the Toronto Stock
        Exchange, (ii)&#160;trading of any securities of the Company shall have been suspended on any exchange or in any over-the-counter market, (iii)&#160;a material disruption in securities settlement, payment or clearance services in the United States or Canada
        shall have occurred, (iv)&#160;any moratorium on commercial banking activities shall have been declared by Federal or New York State, Canadian federal or Ontario provincial authorities or (v)&#160;there shall have occurred any outbreak or escalation of
        hostilities, or any change in financial markets or any calamity or crisis that, in the judgment of the Representatives, is material and adverse and which, singly or together with any other event specified in this clause (v), makes it, in the
        judgment of the Representatives, impracticable or inadvisable to proceed with the offer, sale or delivery of the Securities on the terms and in the manner contemplated in the Time of Sale Prospectus or the Prospectuses.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">10.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Effectiveness; Defaulting Underwriters</font>.&#160; This Agreement shall become effective upon the execution and delivery hereof by the parties hereto.</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">If, on the Closing Date, any one or more of the Underwriters shall fail or refuse to purchase the Securities that it has
      or they have agreed to purchase hereunder on such date, and the aggregate principal amount of Underwriters&#8217; Securities which such defaulting Underwriter or Underwriters agreed but failed or refused to purchase is not more than one-tenth of the
      aggregate</div>
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      <div id="DSPFPageFooter">
        <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font id="DSPFPageNumber">21</font></div>
      </div>
      <div id="DSPFPageBreak" style="page-break-after:always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      <div id="DSPFPageHeader"></div>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">principal amount of the Securities to be purchased on such date, the other Underwriters shall be obligated severally in the proportions that
      the principal amount of Securities set forth opposite their respective names in <u>Schedule&#160;II</u> bears to the aggregate principal amount of Securities set forth opposite the names of all such non-defaulting Underwriters, or in such other
      proportions as the Representatives may specify, to purchase the Securities which such defaulting Underwriter or Underwriters agreed but failed or refused to purchase on such date; <u>provided</u>,<font style="font-style: italic;">&#160;</font>that in no
      event shall the principal amount of Securities that any Underwriter has agreed to purchase pursuant to this Agreement be increased pursuant to this <u>Section&#160;10</u> by an amount in excess of one-ninth of such principal amount of Securities without
      the written consent of such Underwriter.&#160; If, on the Closing Date, any Underwriter or Underwriters shall fail or refuse to purchase the Securities and the aggregate principal amount of Securities with respect to which such default occurs is more than
      one-tenth of the aggregate principal amount of Securities to be purchased on such date, and arrangements satisfactory to the Representatives and the Company for the purchase of such Securities are not made within 36 hours after such default, this
      Agreement shall terminate without liability on the part of any non-defaulting Underwriter or the Company.&#160; In any such case either the Representatives or the Company shall have the right to postpone the Closing Date, but in no event for longer than
      seven days, in order that the required changes, if any, in the Registration Statement, the Time of Sale Prospectus or the Prospectuses, as amended or supplemented, if applicable, or in any other documents or arrangements may be effected.&#160; Any action
      taken under this paragraph shall not relieve any defaulting Underwriter from liability in respect of any default of such Underwriter under this Agreement.</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">If this Agreement shall be terminated by the Underwriters, or any of them, because of any failure or refusal on the part
      of the Company to comply with the terms or to fulfill any of the conditions of this Agreement, or if for any reason the Company shall be unable to perform its obligations under this Agreement, the Company will reimburse the Underwriters or such
      Underwriters as have so terminated this Agreement with respect to themselves, severally, for all out-of-pocket expenses (including the fees and disbursements of their counsel) reasonably incurred by such Underwriters in connection with this Agreement
      or the offering contemplated hereunder.</div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">11.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Entire Agreement</font>.&#160; (a)&#160; This Agreement, together with any contemporaneous written agreements and any prior written agreements (to the extent
        not superseded by this Agreement) that relate to the offering of the Securities, represents the entire agreement between the Company and the Underwriters with respect to the preparation of any preliminary prospectus, the Time of Sale Prospectus,
        the Prospectuses, the conduct of the offering, and the purchase and sale of the Securities.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company acknowledges that in connection with the offering of the Securities: (i)&#160;the Underwriters have acted at arms&#8217; length, are not agents of, and owe no fiduciary duties to, the
        Company or any other person, (ii)&#160;the Underwriters owe the Company only those duties and obligations set forth in this Agreement and prior written agreements (to the extent not superseded by this Agreement), if any, and (iii)&#160;the Underwriters may
        have interests that differ from those of the Company.&#160; The Company waives to the full extent permitted by applicable law any claims it may have against the Underwriters arising from an alleged breach of fiduciary duty in connection with the
        offering of the Securities.</font></div>
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      <div id="DSPFPageFooter">
        <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font id="DSPFPageNumber">22</font></div>
      </div>
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">12.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Counterparts</font>.&#160; This Agreement may be signed in two or more counterparts, each of which shall be an original, with the same effect as if the
        signatures thereto and hereto were upon the same instrument.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">13.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Electronic Delivery.&#160; </font>Each of the parties to this Agreement will be entitled to rely on delivery of an electronic or facsimile copy of this
        Agreement bearing a manual, facsimile or other electronic signature and acceptance by each party of any such electronic or facsimile copy will be legally effective to create a valid and binding agreement between the parties to this Agreement in
        accordance with the terms of this Agreement.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">14.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Applicable Law</font>.&#160; This Agreement shall be governed by and construed in accordance with the internal laws of the State of New York.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">15.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Headings</font>.&#160; The headings of the sections of this Agreement have been inserted for convenience of reference only and shall not be deemed a part
        of this Agreement.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">16.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Notices</font>.&#160; All communications hereunder shall be in writing and effective only upon receipt and if to the Underwriters shall be delivered,
        mailed or sent to the Representatives at the address set forth in <u>Schedule&#160;I</u> hereto; and if to the Company shall be delivered, mailed or sent to the address set forth in <u>Schedule&#160;I</u> hereto.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">17.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Submission to Jurisdiction; Appointment of Agent for Service; Waiver of Jury Trial</font>.&#160; (a)&#160; The Company irrevocably submits to the non-exclusive
        jurisdiction of any New York State or United States Federal court sitting in The City of New York over any suit, action or proceeding arising out of or relating to this Agreement, the Prospectuses, the Registration Statement, or the transactions
        contemplated hereby or thereby.&#160; The Company irrevocably waives, to the fullest extent permitted by law, any objection which it may now or hereafter have to the laying of venue of any such suit, action or proceeding brought in such a court and any
        claim that any such suit, action or proceeding brought in such a court has been brought in an inconvenient forum.&#160; To the extent that the Company has or hereafter may acquire any immunity (on the grounds of sovereignty or otherwise) from the
        jurisdiction of any court or from any legal process with respect to itself or its property, the Company irrevocably waives, to the fullest extent permitted by law, such immunity in respect of any such suit, action or proceeding.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Company hereby irrevocably appoints John Hancock Life Insurance Company (U.S.A.), with offices at 601 Congress Street, Boston, Massachusetts 02210 as its agent for service of
        process in any suit, action or proceeding described in the preceding paragraph and agrees that service of process in any such suit, action or proceeding may be made upon it at the office of such agent.&#160; The Company waives, to the fullest extent
        permitted by law, any other requirements of or objections to personal jurisdiction with respect thereto.&#160; The Company represents and warrants that such agent has agreed to act as the Company&#8217;s agent for service of process, and the Company agrees to
        take any and all action, including the filing of any and all documents and instruments, that may be necessary to continue such appointment in full force and effect.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(c)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Each of the Company and the Underwriters hereby irrevocably waives, to the fullest extent permitted by applicable law, any and all right to trial by jury in any</font></div>
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      <div id="DSPFPageFooter">
        <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font id="DSPFPageNumber">23</font></div>
      </div>
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        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">legal proceeding arising out of or relating to this Agreement or the transactions contemplated hereby.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman',serif; font-size: 12pt; font-style: normal;">18.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Recognition of the U.S. Special Resolution Regimes.&#160; </font>(a)&#160; In the event that any Underwriter that is a Covered Entity
        becomes subject to a proceeding under a U.S. Special Resolution Regime, the transfer from such Underwriter of this Agreement, and any interest and obligation in or under this Agreement, will be effective to the same extent as the transfer would be
        effective under the U.S. Special Resolution Regime if this Agreement, and any such interest and obligation, were governed by the laws of the United States or a state of the United States.</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">&#160;In the event that any Underwriter that is a Covered Entity or a BHC Act Affiliate of such Underwriter becomes subject to a proceeding under a U.S. Special Resolution Regime, Default
        Rights under this Agreement that may be exercised against such Underwriter are permitted to be exercised to no greater extent than such Default Rights could be exercised under the U.S. Special Resolution Regime if this Agreement were governed by
        the laws of the United States or a state of the United States.</font></div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#160;As used in this Section 18, &#8220;<u>BHC Act Affiliate</u>&#8221; has the meaning assigned to the term &#8220;affiliate&#8221; in, and shall be
      interpreted in accordance with, 12 U.S.C. &#167; 1841(k); &#8220;<u>Covered Entity</u>&#8221; means any of the following: (i) a &#8220;covered entity&#8221; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;&#160;252.82(b), (ii) a &#8220;covered bank&#8221; as that term
      is defined in, and interpreted in accordance with, 12 C.F.R. &#167;&#160;47.3(b) or (iii) a &#8220;covered FSI&#8221; as that term is defined in, and interpreted in accordance with, 12 C.F.R. &#167;&#160;382.2(b); &#8220;<u>Default Right</u>&#8221; has the meaning assigned to that term in, and
      shall be interpreted in accordance with, 12 C.F.R. &#167;&#167; 252.81, 47.2 or 382.1, as applicable; and &#8220;<u>U.S. Special Resolution Regime</u>&#8221; means each of (i) the Federal Deposit Insurance Act and the regulations promulgated thereunder and (ii) Title II
      of the Dodd-Frank Wall Street Reform and Consumer Protection Act and the regulations promulgated thereunder.</div>
    <div style="margin-bottom: 12pt; text-indent: 72pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">19.</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-style: italic;">Other Liabilities Governed by Non-European Economic Area Law. </font>Notwithstanding and to the exclusion of any other term of this Agreement or any
        other agreements, arrangements, or understanding between the Company and the Representatives, the Company acknowledges and accepts that a BRRD Liability arising under this Agreement may be subject to the exercise of Bail-in Powers by the Relevant
        Resolution Authority, and acknowledges, accepts, and agrees to be bound by:</font></div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(a)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: UICTFontTextStyleBody, 'Times New Roman'; font-size: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 7pt;">&#160; </font>the effect of the exercise of Bail-in Powers by the Relevant Resolution Authority in
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    <div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt;">the reduction of all, or a portion, of the BRRD Liability or outstanding amounts due thereon;</div>
            </td>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">(ii)</div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">the conversion of all, or a portion, of the BRRD Liability into shares, other securities or other obligations of the
                Representatives or another person, and the issue to or conferral on the Company of such shares, securities or obligations;</div>
            </td>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">(iii)</div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">the cancellation of the BRRD Liability; or</div>
            </td>
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      </table>
    </div>
    <div>
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            <td style="width: 153pt;">&#160;</td>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">(iv)</div>
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              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: UICTFontTextStyleBody,'Times New Roman'; font-size: 12pt;">the amendment or alteration of any interest, if applicable, thereon, the maturity or the dates on which any payments
                are due, including by suspending payment for a temporary period;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom: 12pt; text-indent: 108pt;"><font style="font-family: UICTFontTextStyleBody, 'Times New Roman'; font-size: 12pt;">(b)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: UICTFontTextStyleBody, 'Times New Roman'; font-size: 12pt;">the variation of the terms of this Agreement, as deemed necessary by the Relevant Resolution Authority, to give effect to the exercise of Bail-in
        Powers by the Relevant Resolution Authority.</font></div>
    <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">For the purposes of this <u>Section 19</u>:</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8220;<u>Bail-in Legislation</u>&#8221; means in relation to a member state of the European Economic Area which has implemented, or
      which at any time implements, the BRRD, the relevant implementing law, regulation, rule or requirement as described in the EU Bail-in Legislation Schedule from time to time;</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8220;<u>Bail-in Powers</u>&#8221; means any Write-down and Conversion Powers as defined in the EU Bail-in Legislation Schedule, in
      relation to the relevant Bail-in Legislation;</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8220;<u>BRRD</u>&#8221; means Directive 2014/59/EU establishing a framework for the recovery and resolution of credit institutions
      and investment firms;</div>
    <div style="text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8220;<u>BRRD Liability</u>&#8221; means a liability in respect of which the relevant Write Down and Conversion Powers in the
      applicable Bail-in Legislation may be exercised;</div>
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    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SCHEDULE I</div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Representatives:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Citigroup Global Markets Inc.<br>
              BofA Securities, Inc.<br>
              Goldman Sachs &amp; Co. LLC<br>
              Morgan Stanley &amp; Co. LLC</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Indenture:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Indenture dated as of September&#160;17, 2010, between the Company and the Trustee</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Trustee:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Bank of New York Mellon</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Registration Statement File No.:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">333-259543</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Time of Sale Prospectus:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
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            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Securities to be purchased:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">US$750,000,000 3.703% Senior Notes due 2032</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Aggregate Principal Amount:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">US$750,000,000</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Purchase Price:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">99.550% of the principal amount, plus accrued interest, if any, from March 16, 2022</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Maturity:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16, 2032</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Interest Rate:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">3.703% per annum, accruing from March 16, 2022</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Interest Payment Dates:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16 and September 16, commencing September 16, 2022</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Closing Date and Time:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16, 2022 at 8:00 a.m.</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Closing Location:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Paul, Weiss, Rifkind, Wharton &amp; Garrison LLP<br>
              Toronto-Dominion Centre<br>
              77 King Street West<br>
              Suite&#160;3100, P.O. Box 226<br>
              Toronto, Ontario M5K 1J3</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
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          <td style="width: 47.18%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Address for Notices to Underwriters:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 52.82%; vertical-align: top;">&#160;</td>
        </tr>
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          <td style="width: 47.18%; vertical-align: top;">&#160;</td>
          <td style="width: 52.82%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Citigroup Global Markets Inc.<br>
              388 Greenwich Street<br>
              New York, NY 10013<br>
              Attention: General Counsel<br>
              Fax: (646) 291-1469</div>
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8212; and &#8212;</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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    <div style="line-height: 13.7pt;">
      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">I - 1</div>
    </div>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
              </div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">BofA Securities, Inc.<br>
                <font style="color: #000000;">1540 Broadway</font><br>
                <font style="color: #000000;">NY8-540-26-02</font><br>
                <font style="color: #000000;">New York, New York 10036</font><br>
                Facsimile<font style="color: #000000;">: (646) 855-5958</font><br>
                <font style="color: #000000;">Attention: High Grade Transaction</font></div>
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8212; and &#8212;</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Goldman Sachs &amp; Co. LLC<br>
                200 West Street<br>
                New York, NY 10282-2198<br>
                Attention: Registration Department</div>
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8212; and &#8212;</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Morgan Stanley &amp; Co. LLC<br>
                1585 Broadway, 29th Floor<br>
                New York, NY&#160; 10036<br>
                Attention:&#160; Investment Banking Division<br>
                Phone:&#160; (212) 761-6691<br>
                Facsimile:&#160; (212) 507-8999</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8212; with a copy to &#8212;</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Paul, Weiss, Rifkind, Wharton &amp; Garrison LLP<br>
                Toronto-Dominion Centre<br>
                77 King Street West<br>
                Suite&#160;3100, P.O. Box 226<br>
                Toronto, Ontario M5K 1J3<br>
                Facsimile: (416)&#160;981-7230<br>
                Attention: Christopher J. Cummings, Esq.</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
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            <td style="width: 47.18%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Address for Notices to the Company:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Manulife Financial Corporation<br>
                200 Bloor Street East<br>
                Toronto, Ontario M4W 1E5<br>
                Email: Halina_von_dem_Hagen@manulife.com<br>
                Attention: Halina K. von dem Hagen</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
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            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">&#8212; with a copy to &#8212;</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 47.18%; vertical-align: top;">&#160;</td>
            <td style="width: 52.82%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Debevoise &amp; Plimpton LLP<br>
                919 Third Avenue<br>
                New York, New York 10022<br>
                Facsimile: (212)&#160;521-7375<br>
                Attention: Peter J. Loughran, Esq.</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
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  </div>
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    <div style="font-weight: normal;">
      <div style="line-height: 13.7pt; text-align: center;">
        <div style="line-height: 13.7pt;">I - 2</div>
      </div>
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  <br>
  <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SCHEDULE II</div>
  <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
  </div>
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          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 78%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 14.4pt; border-bottom: 0.5pt solid black;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif; font-weight: bold;">Underwriter</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
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              <div style="line-height: 0pt;"><font style="line-height: 0pt;"> </font></div>
              <div style="line-height: 11.4pt; font-family: 'Times New Roman',serif; font-weight: bold;">Principal<br>
                Amount of<br>
                Notes To Be Purchased</div>
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          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 11%;" colspan="1" class="cftfncell">&#160;</td>
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          <td valign="bottom" style="vertical-align: bottom; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Citigroup Global Markets Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">$</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">112,500,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">BofA Securities, Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">112,500,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Goldman Sachs &amp; Co. LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">112,500,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Morgan Stanley &amp; Co. LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">112,500,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif;">BNP Paribas Securities Corp.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">HSBC Securities (USA) Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">J.P. Morgan Securities LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">RBC Capital Markets, LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Standard Chartered Bank</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Wells Fargo Securities, LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">30,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">ANZ Securities, Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">BMO Capital Markets Corp.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">CIBC World Markets Corp.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">MUFG Securities Americas Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Nomura Securities International, Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">Scotia Capital (USA) Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">SMBC Nikko Securities America, Inc.</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: top; width: 78%;">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">TD Securities (USA) LLC</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">15,000,000</div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 78%;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-indent: 0pt; margin-right: 18pt; margin-left: 18pt; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">Total</div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">
            <div style="line-height: 14.4pt; border-bottom: 1.5pt double black;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">$</div>
            </div>
          </td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">
            <div style="line-height: 14.4pt; border-bottom: 1.5pt double black;">
              <div style="line-height: 11.4pt; font-family: 'Times New Roman', serif;">750,000,000</div>
            </div>
          </td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>
        <tr>
          <td valign="bottom" style="vertical-align: bottom; width: 78%;">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftguttercell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; width: 1%;" colspan="1" class="cftcurrcell">&#160;</td>
          <td valign="bottom" style="vertical-align: bottom; text-align: right; width: 9%;" colspan="1" class="cftnumcell">&#160;</td>
          <td valign="bottom" nowrap="nowrap" style="vertical-align: bottom; width: 11%;" colspan="1" class="cftfncell">&#160;</td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">II-1</div>
    </div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
      <div style="page-break-after: always;" id="DSPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
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    <br>
    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SCHEDULE III</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SIGNIFICANT SUBSIDIARIES</div>
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        <tr>
          <td style="width: 49.2%; vertical-align: bottom; border-bottom: 2px solid #000000;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 14.4pt; border-bottom: 0.5pt solid black;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif; font-weight: bold;">Column 1 &#8212; Name of Significant Subsidiary</div>
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          <td style="width: 27.2%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 14.4pt; border-bottom: 0.5pt solid black;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman',serif; font-weight: bold;">Column 2 &#8212; Jurisdiction of Incorporation/Continuance of Significant<br>
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          <td style="width: 23.6%; vertical-align: bottom; border-bottom: 2px solid #000000;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 14.4pt; border-bottom: 0.5pt solid black;">
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
              <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif; font-weight: bold;">Column 3 &#8212; Percentage of Direct or Indirect Ownership of each Significant Subsidiary by the Corporation</div>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.2%; vertical-align: bottom;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">The Manufacturers Life Insurance Company</div>
          </td>
          <td style="width: 27.2%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">Canada</div>
          </td>
          <td style="width: 23.6%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">100%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.2%; vertical-align: bottom;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">John Hancock Life Insurance Company (U.S.A.)</div>
          </td>
          <td style="width: 27.2%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">Michigan</div>
          </td>
          <td style="width: 23.6%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">100%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 49.2%; vertical-align: bottom;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">Manulife (International) Limited</div>
          </td>
          <td style="width: 27.2%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">Bermuda</div>
          </td>
          <td style="width: 23.6%; vertical-align: top;">
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            <div style="text-align: center; line-height: 11.4pt; margin-top: 6pt; font-family: 'Times New Roman', serif;">100%</div>
          </td>
        </tr>

    </table>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt;">
      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">III-1</div>
    </div>
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    </div>
    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">SCHEDULE IV</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Free Writing Prospectus<br>
      (To Preliminary Prospectus Supplement dated March 14, 2022 and Prospectus dated September 29, 2021)</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">MANULIFE FINANCIAL CORPORATION</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-weight: bold;">US$750,000,000</font>&#160;<font style="font-weight: bold;">3.703% SENIOR NOTES DUE 2032</font></div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">FINAL TERM SHEET</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">March 14, 2022</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"><u>______________________________________</u></div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"><u>US$750,000,000 3.703% Senior Notes due 2032</u></div>
    <table cellspacing="0" cellpadding="0" id="z1cf714f0ec164434a9154be8f0581910" 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: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Issuer:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Manulife Financial Corporation (the &#8220;Company&#8221;)</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Title of Security:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">3.703% Senior Notes due 2032 (the &#8220;Notes&#8221;)</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Aggregate Principal Amount Offered:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">US$750,000,000</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Maturity Date:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16, 2032</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Price to Public:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">100.000% per Note and accrued interest, if any, from March 16, 2022</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Net Proceeds to the Company before Expenses:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">US$746,625,000</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Underwriting Discount:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">0.450%</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Coupon (Interest Rate):</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">3.703%</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Yield:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">3.703%</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Benchmark Treasury Price and Yield:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">97-22+; 2.133%</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Spread to Benchmark Treasury:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">T + 157 basis points</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Benchmark Treasury:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">1.875% due February 15, 2032</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Interest Payment Dates:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16 and September 16 of each year, beginning on September 16, 2022</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Optional Redemption:</div>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Company may redeem the Notes, in whole or in part, at any time, and from time to time. The redemption price for the Notes to be
              redeemed on any redemption date that is prior to December 16, 2031 (the date that is three months prior to the maturity of the Notes) (the &#8220;Par Call Date&#8221;), will be equal to the greater of <br>
            </div>
            <br>
            <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">
      <div style="text-align: center; line-height: 13.7pt;">IV-1</div>
    </div>
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              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"><br>
              </div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">(i) 100% of the principal amount to be redeemed plus accrued and unpaid interest to, but excluding, such redemption date and (ii)
                the sum of the present values of the remaining scheduled payments of principal and interest (excluding interest accrued to the redemption date) on the Notes to be redeemed from the redemption date to the Par Call Date (assuming for such
                purpose that the notes matured on the Par Call Date), discounted to such redemption date on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate plus 25 basis points, plus accrued and unpaid
                interest thereon to, but excluding, the redemption date.</div>
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The redemption price for the Notes to be redeemed on any redemption date that is on or after the Par Call Date will be equal to 100%
                of the principal amount to be redeemed, plus accrued and unpaid interest to, but excluding, such redemption date.</div>
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Company may also redeem all (but not less than all) of the Notes if certain changes affecting Canadian withholding taxes occur.</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
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            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Trade Date:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 14, 2022</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Settlement Date:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">March 16, 2022 (T+2)</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">CUSIP/ISIN:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">56501RAN6 / US56501RAN61</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Joint Book-Running Managers:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Citigroup Global Markets Inc.<br>
                BofA Securities, Inc.<br>
                Goldman Sachs &amp; Co. LLC<br>
                Morgan Stanley &amp; Co. LLC</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">Co-Managers:</div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">BNP Paribas Securities Corp.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">HSBC Securities (USA) Inc.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">J.P. Morgan Securities LLC</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">RBC Capital Markets, LLC</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Standard Chartered Bank</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Wells Fargo Securities, LLC</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">ANZ Securities, Inc.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">BMO Capital Markets Corp.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">CIBC World Markets Corp.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">MUFG Securities Americas Inc.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Nomura Securities International, Inc.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Scotia Capital (USA) Inc.</div>
              <br>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">IV-2</div>
    </div>
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              <div style="line-height: 13.7pt; margin-bottom: 6pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;"><br>
              </div>
              <div style="line-height: 0pt;"><font style="line-height: 0pt;">&#160;</font></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">SMBC Nikko Securities America, Inc.</div>
              <div style="line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">TD Securities (USA) LLC</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Company has filed a registration statement (including a base shelf prospectus dated September 29, 2021) and a preliminary prospectus
      supplement dated March 14, 2022 (including the base shelf prospectus, the &#8220;Prospectus&#8221;) with the SEC for the offering to which this communication relates.&#160; Before you invest, you should read the Prospectus and the documents incorporated therein by
      reference that the Company has filed with the SEC for more complete information about the Company and this offering.&#160; You may obtain these documents for free by visiting EDGAR on the SEC website at www.sec.gov.&#160; Alternatively, the Company or any
      underwriter participating in the offering will arrange to send you the Prospectus and any document incorporated therein by reference if you request such documents by calling Citigroup Global Markets Inc. toll-free at 1-800-831-9146, BofA Securities,
      Inc. toll-free at 1-800-294-1322, Goldman Sachs &amp; Co. LLC toll-free at 1-866-471-2526 or Morgan Stanley &amp; Co. LLC toll-free at 1-866-718-1649.</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Any disclaimer or other notice that may appear below is not applicable to this communication and should be disregarded. Such disclaimer or
      notice was automatically generated as a result of this communication being sent by Bloomberg or another email system.</div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 12pt; text-indent: -9pt; margin-left: 9pt;"> IV-3</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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    </div>
    <br>
    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT A-1</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">FORM OF OPINION OF TORYS LLP</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(To be delivered pursuant to Section 5(d)</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">of the Underwriting Agreement)</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9646ad438f174c13874191716bd1ee6e" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Company has been incorporated and is existing under the ICA.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zba61bdd9bffb4aaeb556b713426503f6" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Company has the corporate power and capacity to carry on its business as now conducted and as currently
                proposed to be conducted, to own, lease and operate its property and assets and to execute, deliver and perform its obligations under the Underwriting Agreement and the Indenture.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z85bde934604a4eb7b70577aa96a8fb87" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Manufacturers Life Insurance Company (&#8220;<u>MLI</u>&#8221;) has been amalgamated and is existing under the ICA.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9291fd0097d54a41883962b9b5a60a24" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">MLI has the corporate power and capacity to carry on its business as now conducted and as currently proposed
                to be conducted, and to own, lease and operate its property and assets.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z76c0daa14277479386f7345481b9057a" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: normal; font-style: normal;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 11pt;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The authorized capital of the Company consists of (a) an unlimited number of Common Shares, (b) an unlimited
                number of Class A Shares, issuable in series, of which (A) one has been designated as &#8220;Class A Shares Series 2&#8221; and (B) one has been designated as &#8220;Class A Shares Series 3&#8221;, (c) an unlimited number of Class 1 Shares, issuable in series, of
                which (A) one has been designated as &#8220;Class 1 Shares Series 3&#8221;, (B) one has been designated as &#8220;Class 1 Shares Series 4&#8221;, (C) one has been designated as &#8220;Class 1 Shares Series 7&#8221;, (D) one has been designated as &#8220;Class 1 Shares Series 8&#8221;,
                (E) one has been designated as &#8220;Class 1 Shares Series 9&#8221;, (F) one has been designated as &#8220;Class 1 Shares Series 10&#8221;, (G) one has been designated as &#8220;Class 1 Shares Series 11&#8221;, (H) one has been designated as &#8220;Class 1 Shares Series 12&#8221;, (I)
                one has been designated as &#8220;Class 1 Shares Series 13&#8221;, (J) one has been designated as &#8220;Class 1 Shares Series 14&#8221;, (K) one has been designated as &#8220;Class 1 Shares Series 15&#8221;, (L) one has been designated as &#8220;Class 1 Shares Series 16&#8221;, (M) one
                has been designated as &#8220;Class 1 Shares Series 17&#8221;, (N) one has been designated as &#8220;Class 1 Shares Series 18&#8221;, (O) one has been designated as &#8220;Class 1 Shares Series 19&#8221;, (P) one has been designated as &#8220;Class 1 Shares Series 20&#8221;, (Q) one has
                been designated as &#8220;Class 1 Shares Series 23&#8221;, (R) one has been designated as &#8220;Class 1 Shares Series 24&#8221;, (S) one has been designated as &#8220;Class 1 Shares Series 25&#8221;, (T) one has been designated as &#8220;Class 1 Shares Series 26&#8221;, (U) one has been
                designated as &#8220;Class 1 Shares Series 27&#8221; and (V) one has been designated as &#8220;Class 1 Shares Series 28&#8221; and (d) an unlimited number of Class B Shares, issuable in series.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze7a793a546ef4500b12236126b8a2b74" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Company is a &#8220;reporting issuer&#8221; in the Province of Ontario under the <font style="font-style: italic;">Securities



                  Act</font> (Ontario) (the &#8220;<u>OSA</u>&#8221;) and is not in default of any requirements of the OSA and the regulations thereunder.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1492ed0a07344a4e92f2023c1e82a161" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Underwriting Agreement has been duly authorized by the Company, and, to the extent execution and delivery
                is a matter governed by the laws of the Province of Ontario or the federal laws of Canada applicable therein, executed and delivered by the Company.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zeca6e63e439944d484b90b0360d9bfa1" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Securities have been duly authorized by the Company and, assuming that the Securities have been duly
                authenticated by the Trustee in the manner described in the Indenture and under New York Law (as defined below), the Securities have been, to the extent issuance, execution and</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-1-1</div>
    </div>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
    <div style="page-break-after: always;" id="DSPFPageBreak">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div><br>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcdec36d6512a4409ab80441b6f7bea3b" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;"><br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 11pt;">delivery are matters governed by the laws of the Province of Ontario or the federal laws of Canada applicable
                therein, duly issued, executed and delivered by the Company.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd67bf9087ee44ecaa0772185af071c93" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Base Indenture has been duly authorized by the Company and, to the extent execution and delivery are
                matters governed by the laws of the Province of Ontario or the federal laws of Canada applicable therein, duly executed and delivered by the Company.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb5d5c1cd2b7749e780f101e49942c906" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Fourth Supplemental Indenture has been duly authorized by the Company and, to the extent execution and
                delivery are matters governed by the laws of the Province of Ontario or the federal laws of Canada applicable therein, duly executed and delivered by the Company.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z258d2177bf4e41c5bcbca26726122ef4" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">11.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The global certificates representing the Securities have been duly authorized by the Company and, to the
                extent execution and delivery are matters governed by the laws of the Province of Ontario or the federal laws of Canada applicable therein, assuming that the Securities have been duly authenticated by the Trustee in the manner provided for
                in the Indenture, duly executed and delivered by the Company.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf855f3a5e1ee4c72bd3db30177636ae4" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The execution and delivery of the Underwriting Agreement and the Indenture, the fulfillment of the terms of
                the Underwriting Agreement and the Indenture by the Company, and the issuance, sale and delivery of the Securities do not and will not result in a breach of or default under, and do not and will not create a state of facts which, after
                notice or lapse of time or both, will result in a breach of or default under:</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z798677824c2c4f91ad535db708f1796b" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 12.55pt; margin-bottom: 12pt; font-family: Georgia, serif; font-size: 11pt;">(a)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">any of the terms, conditions or provisions of the by-laws, constating documents or resolutions of the
                shareholders or directors (or any committee thereof) of the Company;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za9246b6fab6b4ec98b726c7d7c92249f" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 12.55pt; margin-bottom: 12pt; font-family: Georgia, serif; font-size: 11pt;">(b)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">any law, statute, regulation or rule applicable to the Company; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbe73542416984ed7a084977af7a41d8c" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 72pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 12.55pt; margin-bottom: 12pt; font-family: Georgia, serif; font-size: 11pt;">(c)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">any of the terms of the material debt agreements of the Company listed in a schedule to such counsel&#8217;s
                opinion.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0f243bc1e02047e1a4784b1ace7cfc13" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">13.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Indenture and the issuance of the Securities thereunder comply, to the extent applicable, with the
                provisions of the ICA and the <font style="font-style: italic;">Business Corporations Act</font> (Ontario) (the &#8220;<u>OBCA</u>&#8221;) (except that an exemption order has been obtained under section 46(4) of the OBCA to exempt the Indenture from
                the application of Part V of the OBCA, including to permit a trustee not resident or authorized to do business in Ontario to act as trustee under the Indenture); no registration, filing or recording of the Indenture under the laws of the
                Province of Ontario or the federal laws of Canada applicable therein is necessary or required for the issue of the Securities or the consummation of the transactions contemplated by the Underwriting Agreement or the Indenture.&#160; All
                necessary documents have been filed, all necessary proceedings have been taken by the Company and all necessary authorizations, approvals, permits, consents and orders have been obtained under Ontario Securities Laws to permit the
                Securities to be issued, offered, sold and delivered pursuant to the U.S. Canadian Multi-Jurisdictional Disclosure System (&#8220;<u>MJDS</u>&#8221;) in the United States; and no other consent, approval, authorization, license, order, registration,
                qualification or decree of or with any government, governmental instrumentality, authority or agency or court of Canada or the Province of Ontario is required for such issuance, offering, sale or delivery of the Securities pursuant to MJDS
                in the United States or the consummation by the Company of the transactions contemplated by the Underwriting Agreement, except such as have been obtained.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-1-2</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
    </div>
    <br>
    <div>
      <table cellspacing="0" cellpadding="0" id="za57b331acf214514921054c7f17305b9" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">14.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">There are no reports or other information that in accordance with the requirements of the Reviewing Authority
                must be made publicly available in connection with the offering of the Securities that have not been made publicly available as required, and there are no documents required to be filed with the Reviewing Authority in connection with the
                Canadian Prospectus that have not been filed as required.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z230cacd2cb574526974d8d2db56ee05d" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Other than as set forth in the Canadian Prospectus, to our knowledge, there is no action, proceeding or
                investigation pending or threatened by or against the Company or any of its Significant Subsidiaries, at law or in equity, before or by any federal, provincial, state, municipal or other governmental department, commission, board or agency,
                domestic or foreign, which questions the validity of the issuance of the Securities or of any action taken or to be taken by the Company pursuant to the Underwriting Agreement or in connection with the issuance of the Securities.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z133be905be844b30bf3e100847bcf711" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">16.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">All necessary corporate action has been taken by the Company to authorize the execution and delivery of the
                Canadian Prospectus.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb87732372d264d0f8e562f6da8dce51d" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">17.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">A receipt has been obtained from the Reviewing Authority in respect of the Canadian Basic Prospectus and, to
                our knowledge, the Reviewing Authority has not revoked such receipt and no order suspending the distribution of the Securities has been issued by the Reviewing Authority and no proceeding for that purpose has been initiated or threatened by
                the Reviewing Authority.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1d440f1c1b514a7ab3a7c12f0cd38f01" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-style: normal;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 11pt;">18.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Canadian Prospectus (excluding the financial statements, other financial data included or incorporated
                therein or omitted therefrom, as to which such counsel need express no opinion, and excluding the documents incorporated by reference in the Canadian Prospectus) appears on its face to have been appropriately responsive in all material
                respects to the requirements of Ontario Securities Laws as interpreted by the Reviewing Authority and the requirements of Ontario Securities Laws for a public distribution in the United States only of securities pursuant to Companion Policy
                71-101CP &#8212; <font style="font-style: italic;">To National Instrument 71-101 The Multijurisdictional Disclosure System.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfca4c1f87da547139625f5dc5ecdc5f0" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">19.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Each document incorporated by reference in the Canadian Prospectus (excluding the financial statements and
                notes thereto, the financial statement schedules and other financial data included or incorporated by reference therein or omitted therefrom, as to which we do not express any opinion), when such document was filed with the Reviewing
                Authority, appear on their face to have been appropriately responsive in all material respects to the requirements of Ontario Securities Laws as interpreted by the Reviewing Authority.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z110502d5cbde40a7b5b48426bf377a8d" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">20.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Company is eligible to file a short form prospectus with the Reviewing Authority and use the Shelf
                Procedures in respect of the Securities.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z402d83942d9f4d0b8bcd1fc1eac426b1" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">21.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The Canadian Prospectus has been filed with the Reviewing Authority in the manner and within the time period
                required by the Shelf Procedures.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z74e0b32ba5014dedb4be9e150e292575" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">22.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The statements in the Registration Statement under Part&#160;II of the registration statement on Form F-10 under
                the heading &#8220;Indemnification of Directors and Officers&#8221;, insofar as such statements constitute statements of the laws of the Province of Ontario or the federal laws of Canada applicable therein or purport to summarize provisions of
                agreements or instruments, have been reviewed by us and fairly summarize the matters described therein and are accurate in all material respects.</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-1-3</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3491f3937e0f4fde96d85970ecbbb87f" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">23.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The form of global certificate representing the Securities has been approved by the Company and complies with
                the provisions of the ICA.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5eb637da712d4d74bb60e159c67fcab6" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">24.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The attributes and characteristics of the Securities conform in all material respects with the statements
                relating thereto contained in the Canadian Prospectus.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z690995c8b3d24123a78f42084d62c86e" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">25.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The statements in the Canadian Prospectus under the headings &#8220;ICA Restrictions and Approvals&#8221;, &#8220;Constraints
                on Shares&#8221;, &#8220;Enforceability of Civil Liabilities&#8221; and &#8220;Statutory and Contractual Rights of Withdrawal and Rescission Applicable to Canadian Investors&#8221;, insofar as such statements constitute statements of Canadian federal or Ontario law,
                have been reviewed by us and fairly summarize the matters described therein and are accurate in all material respects.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0a00bb5f20784f30a60d9abd3057d2c5" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">26.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">Subject to the assumptions and qualifications set out therein, the statements as to matters of the federal
                laws of Canada under the heading &#8220;Certain Canadian Federal Income Tax Considerations&#8221; in the Canadian Prospectus are accurate in all material respects.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4cd96dec15cc46d380c7e2f22eabc2df" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">27.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">All payments by the Company pursuant to the Underwriting Agreement shall be made without withholding for
                taxes under the <font style="font-style: italic;">Income Tax Act</font> (Canada) provided that such payments are not in respect of services rendered in Canada.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z821fc58e72fd4b148bdf595ae96a5971" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">28.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">No tax imposed under Part IX of the <font style="font-style: italic;">Excise Tax Act</font> (Canada) will be
                payable by the Company or collectable by an Underwriter in respect of the payment of commissions as contemplated by the Underwriting Agreement to an Underwriter that is not resident in Canada for purposes of Part IX of the <font style="font-style: italic;">Excise Tax Act</font> (Canada), provided that such commissions are in respect of services performed by the Underwriter wholly outside of Canada and for the resale of Securities by an Underwriter to U.S.
                residents.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf7c78aef63ff4300a832add3cb3579a8" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">29.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">No stamp duty, documentary taxes or similar taxes are payable by the Company under the federal laws of Canada
                or the laws of the Province of Ontario in connection with the sale and delivery of the Securities pursuant to the Underwriting Agreement to the Underwriters or the resale of Securities by an Underwriter to U.S. residents.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze1ff8afe79c14e1abdb800bd2a800f1a" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">30.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">A court of competent jurisdiction in the Province of Ontario (an &#8220;<u>Ontario Court</u>&#8221;) would give effect to
                the choice of the law of the State of New York (&#8220;<u>New York Law</u>&#8221;) as the proper law governing the Underwriting Agreement and the Indenture, provided that such choice of law is <font style="font-style: italic;">bona fide</font> (in the
                sense that it was not made with a view to avoiding the consequences of the laws of any other jurisdiction) and provided that such choice of law is not contrary to &#8220;public policy&#8221;, as that term is applied by an Ontario Court.&#160; Based on the
                facts of which we have knowledge, in our opinion, there are no reasons under the laws of the Province of Ontario or the federal laws of Canada applicable therein for avoiding the choice of New York Law to govern the Underwriting Agreement
                and the Indenture.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za782fea119b94d9d8a385ffbdb42553c" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">31.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">In an action on a final and conclusive judgment <font style="font-style: italic;">in personam</font> for a
                fixed sum of money of any State or Federal Court in the Borough of Manhattan, City and State of New York (a &#8220;<u>New York</u>&#160;<u>Court</u>&#8221;) that is not impeachable as void or voidable under New York Law, an Ontario Court (a)&#160;would not
                refuse to recognize the non-exclusive jurisdiction of the court rendering such judgment on the basis of process being served on John Hancock Life Insurance Company (U.S.A.) as the agent of the Company to receive service of process in the
                United States under the Underwriting Agreement or the Indenture provided the Company has not purported to revoke the appointment or John Hancock Life Insurance Company (U.S.A.) has not terminated the agency or otherwise rendered service on
                it ineffective and (b)&#160;would give effect to the provisions in the</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-1-4</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z647cb32e96204af4a644803923cd5888" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;"><br>
              </div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman',serif; font-size: 11pt;">Underwriting Agreement and the Indenture whereby the Company submits to the non-exclusive jurisdiction of a
                New York Court.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf3c2d3ec5b0b40559eb09fbf2f3190fb" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">32.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">If the Underwriting Agreement or the Indenture are sought to be enforced in the Province of Ontario in
                accordance with the laws applicable thereto as chosen by the parties, namely New York Law, an Ontario Court would, to the extent specifically pleaded and proved as a fact by expert evidence, recognize the choice of New York Law and, upon
                appropriate evidence as to such law being adduced, apply such law to all issues that under the conflict of laws rules of the Province of Ontario are to be determined in accordance with the proper or general law of a contract, provided that
                none of the provisions of the Underwriting Agreement or the Indenture, or of New York Law, are contrary to &#8220;public policy&#8221; as that term is applied by an Ontario Court; provided, however, that, in matters of procedure, the laws of the
                Province of Ontario will be applied, including the <font style="font-style: italic;">Limitations Act, 2002</font> (Ontario), and an Ontario Court will retain discretion to decline to hear such action if it is contrary to &#8220;public policy&#8221;,
                as that term is applied by an Ontario Court, for it to do so, or if it is not the proper forum to hear such an action, or if concurrent proceedings are being brought elsewhere.&#160; Based on the facts of which we have knowledge, in our opinion
                there are no reasons under the laws of the Province of Ontario or the federal laws of Canada applicable therein and no reasons, to our knowledge, with respect to the application of New York Law by an Ontario Court, for avoiding enforcement
                of the Underwriting Agreement or the Indenture, based on &#8220;public policy&#8221;, as that term is applied by an Ontario Court.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfb614b0ea4e54bcd957829c801ec5b09" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; align: right;">
              <div style="line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">33.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; line-height: 12.55pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 11pt;">The laws of the Province of Ontario and the federal laws of Canada applicable therein permit an action to be
                brought in an Ontario Court on a final and conclusive judgment <font style="font-style: italic;">in personam</font> for a fixed sum of money of a New York Court that is subsisting and unsatisfied respecting the enforcement of the
                Underwriting Agreement or the Indenture and that is not impeachable as void or voidable under New York Law if: (a)&#160;such judgment was not obtained by fraud or in a manner contrary to natural justice and the enforcement thereof would not be
                inconsistent with &#8220;public policy&#8221; as such term is applied by an Ontario Court, or contrary to any order made by the Attorney General of Canada under the <font style="font-style: italic;">Foreign Extraterritorial Measures Act</font>
                (Canada) or by the Competition Tribunal under the <font style="font-style: italic;">Competition Act</font> (Canada) in respect of certain judgments, laws and directives having effect on competition in Canada; (b)&#160;such judgment is not under
                appeal and there is not a subsisting judgment in another jurisdiction relating to the same cause of action; (c) the enforcement of such judgment does not constitute, directly or indirectly, the enforcement of foreign revenue or penal laws;
                (d)&#160;the action to enforce such judgment is commenced within the applicable limitation period; and (e)&#160;a court rendering such judgment had jurisdiction over the Company as recognized by the courts of the Province of Ontario (in our opinion,
                submission under the provisions of the Underwriting Agreement and the Indenture to the non-exclusive jurisdiction of a New York Court will be sufficient for this purpose).&#160; Based on the facts of which we have knowledge, in our opinion there
                are no reasons under the laws of the Province of Ontario or the federal laws of Canada applicable therein for avoiding recognition of judgments of a New York Court under the Underwriting Agreement or the Indenture based on &#8220;public policy&#8221;,
                as that term is applied by an Ontario Court.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <br>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-1-5</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
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      </div>
    </div>
    <div style="text-align: right; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT A-2</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">FORM OF OPINION OF DEBEVOISE &amp; PLIMPTON LLP</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(To be delivered pursuant to Section 5(e)</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">of the Underwriting Agreement)</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0951eae4e86140fe8f01fc5044433126" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Underwriting Agreement has been duly executed and delivered on behalf of the Company, to the extent execution and delivery of
                the Underwriting Agreement are governed by the laws of the State of New York.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd14809cd7c9b4565aeb8ea0c2d99d308" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Each of the Base Indenture and the Supplemental Indenture has been duly executed and delivered on behalf of the Company to the
                extent execution and delivery of the Base Indenture and the Supplemental Indenture are governed by the laws of the State of New York; the Indenture constitutes a valid and binding obligation of the Company, enforceable against the Company
                in accordance with its terms.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3d7a179075154978a960d5776a5d9ed4" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Base Indenture has been duly qualified under the Trust Indenture Act of 1939, as amended.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2926e637fc5d4e738bc882122bbc362b" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Securities have been duly executed on behalf of the Company, to the extent execution of the Securities is governed by the laws
                of the State of New York, and, when issued and authenticated on behalf of the Trustee in accordance with the terms of the Indenture and delivered to and paid for by the Underwriters today in accordance with the terms of the Underwriting
                Agreement, the Securities will constitute valid and binding obligations of the Company, enforceable against the Company in accordance with their terms, and will be entitled to the benefits of the Indenture.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2b6418ebb12e442bad22c256856bffaa" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The statements in the Prospectus under the headings &#8220;Description of the Notes&#8221; in the Prospectus Supplement and &#8220;Description of
                Debt Securities&#8221; in the Base Prospectus, when taken together, and the statements in the Time of Sale Information under the headings &#8220;Description of the Notes&#8221; in the Prospectus Supplement and &#8220;Description of Debt Securities&#8221; in the Base
                Prospectus, when taken collectively with the statements contained in the final term sheet, insofar as such statements purport to summarize certain provisions of the Indenture and the Securities, are accurate in all material respects.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8cbb6a9af0234f7298cc99ce37b0d5cc" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The Company is not, and, on the date hereof after giving effect to the offering and sale of the Securities in the manner
                contemplated in the Underwriting Agreement and the Prospectus, will not be, required to be registered as an &#8220;investment company&#8221; (as defined in the 1940 Act) under the 1940 Act.</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-2-1</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
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      </div>
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    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z10c24282c4df47e6af93fb8a9c4baf90" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Subject to the assumptions, qualifications and limitations set forth therein, the statements of United States Federal income tax
                law under the heading &#8220;U.S. Federal Income Tax Considerations for U.S. Holders&#8221; in the Prospectus Supplement are accurate in all material respects.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z388a05c3337140deb4401d85c754763a" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">No consent or authorization of, approval by, notice to, or filing with, any United States Federal or New York State governmental
                authority is required under any United States Federal or New York State statute, rule or regulation known by us to be applicable to the Company to be obtained,&#160; made or done on or prior to the date hereof by the Company for the execution
                and delivery by the Company of the Underwriting Agreement, the Supplemental Indenture and the Securities or the issuance and sale today by the Company of the Securities in accordance with the terms of the Indenture and the Underwriting
                Agreement, except for any consents, authorizations, approvals, notices and filings that have been obtained, made or done and are in full force and effect; <u>provided</u> that we express no opinion in this paragraph 8 with respect to
                United States Federal or state securities laws.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6bdc9e463ff947069c14417e4e515aa6" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Under the laws of the State of New York relating to submission to jurisdiction, the Company has, as provided in Section 17 of the
                Underwriting Agreement and Section 116 of the Indenture, validly and irrevocably submitted to the non-exclusive personal jurisdiction of any state or Federal court located in the Borough of Manhattan in the City of New York in any action
                brought by any Underwriter or by any person who controls any Underwriter arising out of or based upon the Underwriting Agreement or the Indenture and the transactions contemplated thereby and has validly and irrevocably appointed John
                Hancock Life Insurance Company (U.S.A.) (the &#8220;<u>Agent</u>&#8221;) for the purposes described in Section 17 of the Underwriting Agreement and Section 116 of the Indenture, and service of process effected on the Agent in the manner set forth
                therein will be effective to confer valid personal jurisdiction over the Company.&#160; In rendering the foregoing opinion, we express no opinion as to whether any such court would accept such jurisdiction.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z42f761edb2754f328744cf04170f17de" class="DSPFListTable" style="font-family: 'Arial Narrow', sans-serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 64.8pt; vertical-align: top; align: right;">
              <div style="margin-left: 36pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">The execution and delivery by the Company of the Underwriting Agreement and the Base Indenture did not, the execution and delivery
                by the Company of the Supplemental Indenture will not, and the issuance and sale today by the Company of the Securities in accordance with the terms of the Indenture and the Underwriting Agreement will not, violate (<u>a</u>) any United
                States Federal or New York State statute, rule or regulation known by us to be applicable to the Company, (<u>b</u>) any judgment, order or decree of any United States Federal or New York State court or other governmental authority known by
                us to be binding upon the Company, or (<u>c</u>) the subordinated note guarantee listed in Schedule B hereto to which the Company is a party; <u>provided</u>, that we express no opinion in this paragraph 10 with respect to United States
                Federal or state securities laws.</div>
            </td>
          </tr>

      </table>
    </div>
    <br>
    <div>
      <div>
        <div>
          <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-2-2</div>
        </div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after: always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
    </div>
    <div style="text-align: right; text-indent: -30pt; margin-left: 66pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT A-3</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">FORM OF NEGATIVE ASSURANCE LETTER OF DEBEVOISE &amp; PLIMPTON LLP</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(To be delivered pursuant to Section 5(e)</div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">of the Underwriting Agreement)</div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(i)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">The Registration Statement, as of the Effective Date, and the Prospectus, as of the date of the Prospectus Supplement, appeared to us on
        their face to be appropriately responsive in all material respects to the requirements as to form of the 1933 Act and the applicable rules and regulations of the SEC thereunder, except that we express no view as to (<u>a</u>) the financial
        statements, the related notes and schedules, and other financial and accounting or statistical data or information contained in or omitted from the Registration Statement or the Prospectus; (<u>b</u>) the statement of eligibility of the Trustee
        under the Indenture; or (<u>c</u>) Regulation S-T.</font></div>
    <div style="margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(ii)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">No facts have come to our attention that have caused us to believe that (<u>a</u>)&#160;the Registration Statement, as of the Effective Date,
        contained any untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein not misleading; (<u>b</u>) the Time of Sale Information, as of 3:50 p.m. New York City
        time on March 14, 2022, contained any untrue statement of a material fact or omitted to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; or (<u>c</u>)
        the Prospectus, as of the date of the Prospectus Supplement and as of the date and time of the delivery of this letter, contained or contains any untrue statement of a material fact or omitted or omits to state a material fact necessary in order to
        make the statements therein, in the light of the circumstances under which they were made, not misleading; except that in each case we express no belief as to (<u>1</u>) the financial statements, the related notes and schedules, and other financial
        and accounting or statistical data or information contained in or omitted from the Registration Statement, the Time of Sale Information or the Prospectus; (2) the report of management&#8217;s assessment of the effectiveness of internal control over
        financial reporting or the auditor&#8217;s attestation report thereon in the Registration Statement, the Time of Sale Information or the Prospectus; or (<u>3</u>) the statement of eligibility of the Trustee under the Indenture.</font></div>
    <div style="margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(iii)</font><font id="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Based exclusively on our review of the SEC&#8217;s Internet site page of stop orders at http://www.sec.gov/litigation/stoporders.shtml and the
        notice of effectiveness of the Registration Statement posted on the SEC&#8217;s EDGAR database, the Registration Statement has become effective under the 1933 Act pursuant to Rule 467(b) and, to our knowledge, no stop order suspending the effectiveness
        of the Registration Statement has been issued under the 1933 Act and no proceedings for such purpose are pending before the SEC.</font></div>
    <div><br>
    </div>
    <div>
      <div>
        <div>
          <div>
            <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">A-3-1</div>
          </div>
        </div>
        <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
          <div style="page-break-after: always;" id="DSPFPageBreak">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
      </div>
    </div>
    <br>
    <div style="line-height: 0pt;"><br style="line-height: 0pt;">
    </div>
    <div style="text-align: right; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">EXHIBIT A-4</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">FORM OF OPINION OF IN-HOUSE INSURANCE REGULATORY COUNSEL</div>
    <div style="text-align: center; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt; font-weight: bold;">(To be delivered pursuant to Section&#160;5(g) of the Underwriting Agreement)</div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;">Such counsel is of the opinion that the statements in the Company&#8217;s annual information form dated
      February 9, 2022 under the caption &#8220;Government Regulation&#8221;, incorporated by reference in the Time of Sale Prospectus and the Prospectuses, as amended or supplemented, if applicable, insofar as such statements constitute general descriptions of the
      legal and regulatory environments within which the Company and its subsidiaries operate, have been reviewed by such counsel and fairly present and summarize, in all material respects, the matters referred to therein.</div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 72pt; line-height: 13.7pt; margin-bottom: 12pt; font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
    </div>
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