<SEC-DOCUMENT>0001193125-24-260434.txt : 20241118
<SEC-HEADER>0001193125-24-260434.hdr.sgml : 20241118
<ACCEPTANCE-DATETIME>20241118072155
ACCESSION NUMBER:		0001193125-24-260434
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20241118
FILED AS OF DATE:		20241118
DATE AS OF CHANGE:		20241118

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			MANULIFE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001086888
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				889897526
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14942
		FILM NUMBER:		241469760

	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>d695437d6k.htm
<DESCRIPTION>6-K
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<HTML><HEAD>
<TITLE>6-K</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>Form <FONT
STYLE="white-space:nowrap">6-K</FONT> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>REPORT OF
FOREIGN PRIVATE ISSUER </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>PURSUANT TO RULE 13a-16 OR 15d-16 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>UNDER THE SECURITIES EXCHANGE ACT OF 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>For the month of November, 2024 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Commission File Number: <FONT STYLE="white-space:nowrap">1-14942</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>MANULIFE FINANCIAL CORPORATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Translation of registrant&#146;s name into English) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>200 Bloor
Street East </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>North Tower 10 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Toronto, Ontario, Canada M4W 1E5 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(416) <FONT STYLE="white-space:nowrap">926-3000</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address of principal executive office) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether
the registrant files or will file annual reports under cover of Form <FONT STYLE="white-space:nowrap">20-F</FONT> or Form <FONT STYLE="white-space:nowrap">40-F.</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Form <FONT STYLE="white-space:nowrap">20-F&#8194;&#9744;&#8195;&#8195;&#8195;&#8195;Form</FONT>
<FONT STYLE="white-space:nowrap">40-F&#8194;&#9745;</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The news release filed with this Form 6-K as Exhibit 99.1, is incorporated by reference in the
registration statements filed with the Securities and Exchange Commission by the registrant on Form S-8 (Registration Nos. 333-12610, 333-13072, 333-114951, 333-129430, 333 157326, 333-211366, 333-272672, 333-277446 ), on Form F 3 (Registration No.
333-159176) and on Form F-10 (Registration No. 333-274698). Except for the foregoing, no other document or portion of a document filed with this Form 6-K is incorporated by reference in the above registration statements. </P>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DOCUMENTS FILED AS PART OF THIS FORM <FONT STYLE="white-space:nowrap">6-K</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following documents, filed as exhibits to this Form <FONT STYLE="white-space:nowrap">6-K,</FONT> are incorporated by reference as part of
this Form <FONT STYLE="white-space:nowrap">6-K:</FONT> </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Exhibit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Description of Exhibit</P></TD></TR>


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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">News release dated November&nbsp;18, 2024</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Material change report dated November&nbsp;18, 2024</TD></TR>
</TABLE> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">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. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">MANULIFE FINANCIAL CORPORATION</TD></TR>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><I>/s/</I> <I>James D. Gallagher</I></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">James D. Gallagher</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">General Counsel</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date: November&nbsp;18, 2024</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d695437dex991.htm
<DESCRIPTION>EX-99.1
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<TITLE>EX-99.1</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<IMG SRC="g695437g1118050531312.jpg" ALT="LOGO" STYLE="width:1.4375in;height:0.254167in;">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:26pt; font-family:ARIAL"><B>News </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:26pt; font-family:ARIAL"><B>Release </B></P>
<P STYLE="font-size:16pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top">C$ unless otherwise stated&#8195;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:12.63em; font-size:9.5pt; font-family:ARIAL">TSX/NYSE/PSE: MFC&#8195;SEHK: 945</P></TD></TR>
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<TD VALIGN="top">For Immediate Release</TD>
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<TD VALIGN="top">November&nbsp;18, 2024</TD>
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</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12.5pt; font-family:ARIAL"><B>Manulife President&nbsp;&amp; CEO Roy Gori Announces His Intention to Retire in May 2025 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12.5pt; font-family:ARIAL">Board names Phil Witherington, Manulife Asia CEO, as Successor </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL"><B>Toronto
</B>&#150; Manulife Financial Corporation&#146;s (MFC) Board today announced that President and Chief Executive Officer Roy Gori has informed them of his intention to retire, effective May&nbsp;8, 2025, with Phil Witherington appointed as his
successor and joining the Board of Directors at that time. To support this transition, following Mr.&nbsp;Gori&#146;s retirement he has agreed to serve as an Advisor through August&nbsp;31, 2025. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">&#147;The Board is unanimous in our support for Phil&#146;s appointment,&#148; Don Lindsay, Chair of the Board of Manulife said. &#147;As both our Chief Financial
Officer and now as CEO of the Asia Segment he has consistently demonstrated the ability to navigate complexity, deliver on commitments and drive change and highly engaged teams through his authentic leadership,&#148; Mr.&nbsp;Lindsay added. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">&#147;Roy is an inspiring, values-driven leader who has transformed the company and delivered outstanding results over his tenure as our President and CEO,&#148;
Mr.&nbsp;Lindsay said. &#147;Our company is well-positioned for sustained future growth because of Roy&#146;s disciplined focus on execution and the tremendous team and culture he&#146;s built,&#148; added Mr.&nbsp;Lindsay. &#147;On behalf of the
Board, I want to thank Roy for his extraordinary energy, passion for and commitment to our company.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">&#147;It has been my honour to serve as Manulife&#146;s
President and CEO and I&#146;m extremely proud of our team&#146;s many accomplishments. We&#146;ve delivered superior operating results, <FONT STYLE="white-space:nowrap">de-risked</FONT> our business, and become a digital customer leader in our
industry,&#148; said Mr.&nbsp;Gori. &#147;These results have enabled us to deliver market leading total shareholder return and wouldn&#146;t have been possible without the incredible dedication and engagement of our outstanding global team.&#148;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">&#147;We&#146;re now well-positioned to raise the bar on our aspirations for Manulife&#146;s next chapter,&#148; Mr.&nbsp;Gori added. &#147;And I&#146;m thrilled
that Phil will lead that next phase in the company&#146;s growth given his deep understanding of our global business and principled leadership. He has played a key role in our transformation journey, and I
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center">Highly Confidential </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">look forward to working with him to ensure a seamless transition.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Phil Witherington has been a member of the company&#146;s Executive Leadership Team since 2017, serving as Chief Financial Officer for five years until his appointment
to his current role as President and CEO, Manulife Asia. Holding roles with HSBC and AIA prior to joining Manulife in 2014, Mr.&nbsp;Witherington has over 25 years of experience in insurance and financial services globally, in both developed and
emerging markets. Earlier in his career, he spent a decade with KPMG in London and Hong Kong. He holds a degree in Geography from the University of Durham and an executive MBA jointly awarded by the University of Edinburgh Management School and the
&Eacute;cole nationale des ponts et chauss&eacute;es and is a Fellow of the Institute of Chartered Accountants in England&nbsp;&amp; Wales and the Hong Kong Institute of Certified Public Accountants. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">&#147;It is an honour to be provided with the opportunity to lead the next chapter for Manulife. We are an historic organization that has an incredible footprint,
enviable capabilities, and an unrivalled history,&#148; Mr.&nbsp;Witherington said. &#147;It has been a privilege to work closely with Roy and the entire Executive Leadership Team in recent years, and I&#146;m excited by the opportunity we have to
build on our momentum, delivering high-quality sustainable growth for the benefit of our customers, colleagues, investors and the communities we operate in around the world,&#148; he added. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Phil will continue in his current role as he works with Roy on transition planning and will name his successor in the coming months. </P>
<P STYLE="margin-top:14pt; margin-bottom:0pt; font-size:12.5pt; font-family:ARIAL"><B>About Manulife </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Manulife Financial Corporation is a leading international
financial services provider, helping people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we provide financial advice and insurance, operating as Manulife across Canada, Asia, and Europe, and
primarily as John Hancock in the United States. Through Manulife Wealth&nbsp;&amp; Asset Management, we offer global investment, financial advice, and retirement plan services to individuals, institutions, and retirement plan members worldwide. At
the end of 2023, we had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35&nbsp;million customers. We trade as &#145;MFC&#146; on the Toronto, New York, and the Philippine stock exchanges, and
under &#145;945&#146; in Hong Kong. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com. </P>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL"><B>Media Contact</B></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Anne Hammer</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Manulife</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL"><FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">201-925-1213</FONT></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9.5pt; font-family:ARIAL">ahammer@manulife.com</P></TD>
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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL"><B>Investor Relations</B></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Hung Ko</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL">Manulife</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9.5pt; font-family:ARIAL"><FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">416-852-4875</FONT></FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9.5pt; font-family:ARIAL">hung_ko@manulife.com</P></TD></TR>
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 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:ARIAL" ALIGN="center">Highly Confidential </P>

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<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>d695437dex992.htm
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL" ALIGN="right"><B>Exhibit 99.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL" ALIGN="center"><B>FORM <FONT STYLE="white-space:nowrap">51-102F3</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL" ALIGN="center"><B>MATERIAL CHANGE REPORT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;1 &#150; Name and
Address of the Company </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Manulife Financial Corporation (Manulife) </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">200 Bloor Street East </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Toronto, Ontario </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">M4W 1E5 </P> <P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;2 &#150; Date of Material Change </B></P>
<P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">November&nbsp;18, 2024 </P> <P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;3 &#150; News Release
</B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">The attached news release was issued by Manulife on November&nbsp;18, 2024, through the facilities of Canada News Wire. </P>
<P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;4 &#150; Summary of Material Change </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Manulife
announced that Roy Gori, President and Chief Executive Officer, has made the decision to retire as of May&nbsp;8, 2025 and that Phil Witherington will become Manulife&#146;s President on May&nbsp;9, 2025, will succeed Mr.&nbsp;Gori as CEO and join
Manulife&#146;s Board of Directors, effective May&nbsp;9, 2025. </P> <P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;5 &#150; Full Description of Material Change </B></P>
<P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Refer to the attached news release. </P> <P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;6 &#150;
Reliance on subsection 7.1(2) of National Instrument <FONT STYLE="white-space:nowrap">51-102</FONT> </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Not applicable. </P>
<P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;7 &#150; Omitted Information </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">Not applicable.
</P> <P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;8 &#150; Executive Officer </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">For further
information please contact James D. Gallagher, General Counsel through Anne Hammer at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">201-925-1213.</FONT></FONT> </P>
<P STYLE="margin-top:13pt; margin-bottom:0pt; font-size:11pt; font-family:ARIAL"><B>Item&#8201;9 &#150; Date of Report </B></P> <P STYLE="margin-top:13pt; margin-bottom:0pt; margin-left:7%; font-size:11pt; font-family:ARIAL">November&nbsp;18, 2024
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