<SEC-DOCUMENT>0001086888-25-000057.txt : 20250219
<SEC-HEADER>0001086888-25-000057.hdr.sgml : 20250219
<ACCEPTANCE-DATETIME>20250219171206
ACCESSION NUMBER:		0001086888-25-000057
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250219
DATE AS OF CHANGE:		20250219

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:		25641648

	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>a4q24-form6kxreportofindep.htm
<DESCRIPTION>6-K
<TEXT>
<html><head><title>MFC Form 6K - Independent Auditor&#39;s Report Dated February 19, 2025</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div><div id="i892f7657d4ee465191024b14cfee14d9_36" style="position: absolute; top: 72pt;"></div><div style="position: absolute; top: 72pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 495pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 10.83pt; position: absolute; top: 80pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 242.22pt; position: absolute; text-decoration: none; white-space: pre;">UNITED STATES<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="line-height: 10.83pt; position: absolute; top: 99.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 133.82pt; position: absolute; text-decoration: none; white-space: pre;">SECURITIES AND EXCHANGE COMMISSION<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 118.4pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 243.84pt; position: absolute; text-decoration: none; white-space: pre;">Washington, D.C. 20549<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 149.6pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3.75pt;"><td style="border-top: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 10.83pt; position: absolute; top: 158.35pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: bold; left: 272.02pt; position: absolute; text-decoration: none; white-space: pre;">Form 6-K<font style="display: inline-block; height: 10.83pt;"></font></font></div><div style="position: absolute; top: 177.55pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 11.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 205.8pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 190.05pt; position: absolute; text-decoration: none; white-space: pre;">REPORT OF FOREIGN PRIVATE ISSUER <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 220.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 197.2pt; position: absolute; text-decoration: none; white-space: pre;">PURSUANT TO RULE 13a-16 OR 15d-16 <font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 234.6pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 159.05pt; position: absolute; text-decoration: none; white-space: pre;">UNDER THE SECURITIES EXCHANGE ACT OF 1934<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 261pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 228.74pt; position: absolute; text-decoration: none; white-space: pre;">For the month of February, 2025<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 286.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 224.31pt; position: absolute; text-decoration: none; white-space: pre;">Commission File Number&#58; 1-14942<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="position: absolute; top: 299.4pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 14.89pt; position: absolute; top: 333.65pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 22pt; font-style: normal; font-weight: bold; left: 94.63pt; position: absolute; text-decoration: none; white-space: pre;">MANULIFE FINANCIAL CORPORATION<font style="display: inline-block; height: 14.89pt;"></font></font></div><div style="line-height: 8.12pt; position: absolute; top: 360.05pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 186.92pt; position: absolute; text-decoration: none; white-space: pre;">(Translation of registrant's name into English)<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="position: absolute; top: 374.45pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 7.44pt; position: absolute; top: 408.7pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 256.07pt; position: absolute; text-decoration: none; white-space: pre;">200 Bloor Street East<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 421.9pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 268.44pt; position: absolute; text-decoration: none; white-space: pre;">North Tower 10<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 435.1pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 218.95pt; position: absolute; text-decoration: none; white-space: pre;">Toronto, Ontario, Canada M4W 1E5<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 7.44pt; position: absolute; top: 448.3pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 11pt; font-style: normal; font-weight: bold; left: 271.63pt; position: absolute; white-space: pre;">(416) 926-3000<font style="display: inline-block; height: 7.44pt;"></font></font></div><div style="line-height: 6.09pt; position: absolute; top: 461.5pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: bold; left: 233.33pt; position: absolute; text-decoration: none; white-space: pre;">(Address of principal executive office)<font style="display: inline-block; height: 6.09pt;"></font></font></div><div style="position: absolute; top: 472.3pt; width: 612pt;"><div style="font-size: 0pt; left: 239.62pt; position: absolute; top: 0pt; width: 132.75pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 132.75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 17.25pt;"><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 506.55pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 467.88pt;">Indicate by check mark whether the registrant files or will file annual reports under cover of<font style="display: inline-block; height: 8.32pt;"></font></font><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 539.88pt; position: absolute; text-decoration: none; white-space: pre; width: 3pt;"> <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; text-align: justify; text-align-last: var(--justify); top: 520.95pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre; width: 122.29pt;">Form 20-F or Form 40-F.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 547.35pt; width: 612pt;"><div style="font-size: 0pt; left: 157.5pt; position: absolute; top: 0pt; width: 297pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 66pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 84pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 63pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 84pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 0pt; width: 66pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 66pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Form 20-F<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 66pt; position: absolute; top: 0pt; width: 84pt;"><div><div style="line-height: 7.7pt; position: absolute; top: 2.63pt; width: 84pt;"><font style="color: #000000; font-family: &#39;Wingdings&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">&#168;<font style="display: inline-block; height: 7.7pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 150pt; position: absolute; top: 0pt; width: 63pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 63pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Form 40-F<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 213pt; position: absolute; top: 0pt; width: 84pt;"><div><div style="line-height: 7.7pt; position: absolute; top: 2.63pt; width: 84pt;"><font style="color: #000000; font-family: &#39;Wingdings&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">&#9746;<font style="display: inline-block; height: 7.7pt;"></font></font></div></div></div></td></tr></table></div></div></div><div style="position: absolute; top: 566.6pt; width: 612pt;"><div style="font-size: 0pt; left: 58.5pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 495pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 3pt;"><td style="border-bottom: 1pt solid #000; border-top: 1pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 792pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 612pt;"><div style="left: 0pt; position: absolute; top: 720pt;"><div style="width: 468pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 468pt;"></div></div><div><div style="line-height: 8.12pt; position: absolute; top: 72pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 163.56pt; position: absolute; text-decoration: none; white-space: pre;">DOCUMENTS FILED AS PART OF THIS FORM 6-K<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 100.8pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; text-decoration: none; white-space: pre;">The following documents, filed as exhibits to this Form 6-K, are incorporated by reference <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 115.2pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">as part of this Form 6-K&#58;<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 144pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 570pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 64.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 430.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 75pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 12pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 0pt; width: 64.5pt;"><div><div style="line-height: 5.54pt; position: absolute; top: 2.93pt; width: 64.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 8pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: underline; white-space: pre;">Exhibit<font style="display: inline-block; height: 5.54pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 64.5pt; position: absolute; top: 0pt; width: 430.5pt;"><div><div style="line-height: 5.54pt; position: absolute; top: 2.93pt; width: 430.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 8pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: underline; white-space: pre;">Description of Exhibit<font style="display: inline-block; height: 5.54pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 17.25pt; width: 64.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.15pt; width: 64.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">99.1<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 64.5pt; position: absolute; top: 17.25pt; width: 430.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.15pt; width: 430.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Independent Auditor&#8217;s Report Dated February 19, 2025<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15.75pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="line-height: 8.12pt; position: absolute; top: 230.15pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 267.01pt; position: absolute; text-decoration: none; white-space: pre;">SIGNATURES<font style="display: inline-block; height: 8.12pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 258.95pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 99pt; position: absolute; text-decoration: none; white-space: pre;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has <font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="line-height: 8.32pt; position: absolute; top: 273.35pt; width: 612pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: normal; left: 72pt; position: absolute; text-decoration: none; white-space: pre;">duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.<font style="display: inline-block; height: 8.32pt;"></font></font></div><div style="position: absolute; top: 302.15pt; width: 612pt;"><div style="font-size: 0pt; left: 72pt; position: absolute; top: 0pt; width: 495pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 247.5pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 38.25pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 209.25pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="2"><div style="left: 247.5pt; position: absolute; top: 0pt; width: 247.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 247.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">MANULIFE FINANCIAL CORPORATION<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 13.5pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 27.75pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">By&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-bottom: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 27.75pt; width: 209.25pt;"><div><div style="line-height: 6.94pt; position: absolute; top: 3.66pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: italic; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">&#47;s&#47; Eddy Mezzetta<font style="display: inline-block; height: 6.94pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 42pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">Name&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="border-top: 0.5pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 42pt; width: 209.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Eddy Mezzetta<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 247.5pt; position: absolute; top: 56.25pt; width: 38.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 38.25pt;"><font style="font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.38pt; position: absolute; text-decoration: none; white-space: pre;">Title&#58;<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 285.75pt; position: absolute; top: 56.25pt; width: 209.25pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 3.67pt; width: 209.25pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Vice President and Chief Counsel, Corporate Law<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td></tr><tr style="height: 14.25pt;"><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 70.5pt; width: 247.5pt;"><div><div style="line-height: 6.93pt; position: absolute; top: 2.63pt; width: 247.5pt;"><font style="color: #000000; font-family: &#39;Times New Roman&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Date&#58;&#160; February 19, 2025<font style="display: inline-block; height: 6.93pt;"></font></font></div></div></div></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div></div></div></body></html>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit991independentaudit.htm
<DESCRIPTION>EX-99.1
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<html><head><title>Exhibit 99-1 Independent Auditor&#39;s Report Dated February 19, 2025</title></head><body><div style="background-color: #E4E4E4; font-family: Arial, Sans Serif; word-wrap: break-word;"><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 774pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 594pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 513pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 513pt;"></div></div><div><div id="i9844dca73c6a4625a70adb04a33dc079_36" style="position: absolute; top: 40.5pt;"></div><div style="line-height: 6.55pt; position: absolute; top: 40.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: bold; left: 508.03pt; position: absolute; white-space: pre;">Exhibit 99.1<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 11.64pt; position: absolute; top: 58.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 16pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Independent Auditor&#8217;s Report<font style="display: inline-block; height: 11.64pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 85pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">To the Shareholders and Board of Directors of Manulife Financial Corporation<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 105.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Opinion<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 126.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We have audited the consolidated financial statements of Manulife Financial Corporation (the Company), which comprise the <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 137pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">consolidated statements of financial position as at <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 245.42pt; position: absolute; text-decoration: none; white-space: pre;">December 31, 2024<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 324.39pt; position: absolute; text-decoration: none; white-space: pre;"> and <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 344.39pt; position: absolute; text-decoration: none; white-space: pre;">2023<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 364.39pt; position: absolute; text-decoration: none; white-space: pre;">, and the consolidated statements of income, <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 147.8pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">consolidated statements of comprehensive income, consolidated statements of changes in equity and consolidated statements <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 158.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">of cash flows for the years then ended<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 196.96pt; position: absolute; text-decoration: none; white-space: pre;">, and notes to the consolidated financial statements, including material accounting policy <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 169.4pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">information.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 186.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">In our opinion, the accompanying consolidated financial statements present fairly, in all material respects, the consolidated <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 197pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">financial position of the Company as at <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 201.93pt; position: absolute; text-decoration: none; white-space: pre;">December 31, 2024<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 280.9pt; position: absolute; text-decoration: none; white-space: pre;"> and <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 300.9pt; position: absolute; text-decoration: none; white-space: pre;">2023<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 320.9pt; position: absolute; text-decoration: none; white-space: pre;">, and its consolidated financial performance and its <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 207.8pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">consolidated cash flows for the years then ended<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 239.94pt; position: absolute; text-decoration: none; white-space: pre;">, in accordance with International Financial Reporting Standards (IFRS) as <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 218.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">issued by the International Accounting Standards Board.<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 268.94pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 236.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Basis for Opinion<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 257.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We conducted our audit in accordance with Canadian generally accepted auditing standards. Our responsibilities under those <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 268pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">standards are further described in the <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: italic; font-weight: normal; left: 196.93pt; position: absolute; text-decoration: none; white-space: pre;">Auditor&#8217;s Responsibilities for the Audit of the Consolidated Financial Statements<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 514.24pt; position: absolute; text-decoration: none; white-space: pre;"> section of <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 278.8pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">our report. We are independent of the Company in accordance with the ethical requirements that are relevant to our audit of the <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 289.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">consolidated financial statements in Canada, and we have fulfilled our other ethical responsibilities in accordance with these <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 300.4pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 311.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">opinion.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 328pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit Matters<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 348.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Key audit matters are those matters that, in our professional judgment, were of most significance in the audit of the consolidated <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 359.4pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">financial statements of the current period. These matters were addressed in the context of the audit of the consolidated financial <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 370.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">statements as a whole, and in forming the auditor&#8217;s opinion thereon, and we do not provide a separate opinion on these matters. <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 381pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">For each matter below, our description of how our audit addressed the matter is provided in that context. <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="line-height: 6.55pt; position: absolute; top: 397.8pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We have fulfilled the responsibilities described in the<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: italic; font-weight: normal; left: 253.2pt; position: absolute; text-decoration: none; white-space: pre;"> Auditor&#8217;s Responsibilities for the Audit of the Consolidated Financial <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="line-height: 6.55pt; position: absolute; top: 408.6pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: italic; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Statements<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 90.49000000000001pt; position: absolute; text-decoration: none; white-space: pre;"> section of our report, including in relation to these matters.&#160; Accordingly, our audit included the performance of <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="line-height: 6.55pt; position: absolute; top: 419.4pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">procedures designed to respond to our assessment of the risks of material misstatement of the consolidated financial <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="line-height: 6.55pt; position: absolute; top: 430.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">statements. The results of our audit procedures, including the procedures performed to address the matters below, provide the <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="line-height: 6.55pt; position: absolute; top: 441pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">basis for our audit opinion on the accompanying consolidated financial statements.<font style="display: inline-block; height: 6.55pt;"></font></font></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 774pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 594pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 513pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 513pt;"></div></div><div><div style="position: absolute; top: 40.5pt; width: 594pt;"><div style="font-size: 0pt; left: 45pt; position: absolute; top: 0pt; width: 502.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 66.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 6pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 423.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 6pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 0pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 4.55pt; width: 423.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Valuation of Insurance Contract Liabilities<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 152.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 20.25pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 20.25pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The Company recorded insurance contract liabilities of $523 billion at December 31, 2024 on its consolidated statement of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 11.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">financial position, of which $383 billion as disclosed in Note 6 &#8216;Insurance and Reinsurance Contract Assets and Liabilities&#8217; has <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 20.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">been measured under the variable fee approach (VFA) and the general measurement model (GMM). At initial recognition, the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 29.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Company measures a group of insurance contracts as the total of&#58; (a) fulfilment cash flows, which comprise of estimates of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 38.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">future cash flows, adjusted to reflect the time value of money and financial risks, and a risk adjustment for non-financial risk&#59; <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 47.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">and (b) a contractual service margin (CSM), which represents the estimate of unearned profit the Company will recognize as it <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 56.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">provides service under the insurance contracts or the loss component when the contracts are onerous. When projecting future <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 65.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">cash flows for these insurance contract liabilities, the Company primarily uses deterministic projections using best estimate <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 74.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">assumptions. Key assumptions are subjective and complex and include mortality, morbidity, investment returns, policy <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 83.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">termination rates, premium persistency, directly attributable expenses, taxes, and policyholder dividends. Disclosures on this <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 92.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">matter are found in Note 1 &#8216;Nature of Operations and Material Accounting Policy Information&#8217; and Note 6 &#8216;Insurance and <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 101.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Reinsurance Contract Assets and Liabilities&#8217; of the consolidated financial statements.<font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 116.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Auditing the valuation of these insurance contract liabilities was complex and required the application of significant auditor <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 125.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">judgment due to the complexity of the cash flow models, the selection and use of assumptions, and the interrelationship of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 134.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">these variables in measuring insurance contract liabilities. The audit effort involved professionals with specialized skills and <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 143.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">knowledge to assist in evaluating the audit evidence obtained.<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 143.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 184.5pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">How Our Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Addressed the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 21.37pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 30.74pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 184.5pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We obtained an understanding, evaluated the design, and tested the operating effectiveness of management&#8217;s controls over <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 11.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the valuation of insurance contract liabilities. The controls we tested related to, among other areas, actuarial methodology, <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 20.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">integrity of data used, controls over relevant information technology, and the assumption setting and implementation <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 29.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">processes used by management.<font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 44.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">To test the valuation of insurance contract liabilities, our audit procedures included, among other procedures, involving our <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 53.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">actuarial specialists to assess the methodology and assumptions with respect to compliance with IFRS. We performed audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 62.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">procedures over key assumptions, including testing the implementation of those assumptions into the models. These <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 71.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">procedures included testing underlying support and documentation, including reviewing a sample of experience studies <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 80.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">supporting specific assumptions, challenging the nature, timing, and completeness of changes recorded, and assessing <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 89.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">whether individual changes were errors or refinements of estimates. We also tested the methodology and calculation of the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 98.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">insurance contract liabilities through both review of the calculation logic within the models, and through calculating an <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 107.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">independent estimate of the fulfillment cashflows for a sample of insurance contracts and comparing the results to those <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 116.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">determined by the Company and to industry and other external sources for benchmarking. Additionally, we have performed an <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 125.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">independent calculation of the CSM for a sample of groups of insurance contracts and compared the amounts to the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 134.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Company&#8217;s results.&#160; We also assessed the adequacy of the disclosures related to the valuation of insurance contract liabilities.<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 15pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 333.75pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 4.55pt; width: 423.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Valuation of Invested Assets and Derivatives with Significant Non-Observable Market Inputs<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 161.25pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 354pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 354pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">The Company recorded invested assets of $93.9 billion, as disclosed in Note 3 &#8216;Invested Assets and Investment Income&#8217;, and <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 11.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">derivative assets and liabilities of $0.2 billion, and $3.4 billion, respectively, as disclosed in Note 4 &#8216;Derivative and Hedging <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 20.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Instruments&#8217; at December 31, 2024 within its consolidated statement of financial position which are both (a) measured at fair <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 29.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">value and (b) classified as Level 3 within the Company&#8217;s hierarchy of fair value measurements. The Level 3 invested assets <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 38.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">include private placements, commercial mortgages, real estate, timber and agriculture, and private equities valued using <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 47.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">internal models. Level 3 derivative assets and liabilities primarily include bond forwards. There is increased measurement <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 56.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">uncertainty in determining the fair value of these invested assets and derivatives due to volatility in the current economic <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 65.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">environment. Fair values are based on internal models or third-party appraisals that incorporate assumptions with a high-level <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 74.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">of subjectivity including discount rates, credit ratings and related spreads, expected future cash flows, transaction prices of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 83.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">comparable assets, volatilities, correlations, and repurchase rates. Disclosures on this matter are found in Note 1 &#8216;Nature of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 92.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Operations and Material Accounting Policy Information&#8217;, Note 3 &#8216;Invested Assets and Investment Income&#8217;, and Note 4 <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 101.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">&#8216;Derivative and Hedging Instruments&#8217; of the consolidated financial statements.<font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 116.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">Auditing the valuation of these invested assets and derivatives was complex and required the application of significant auditor <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 125.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">judgment in assessing the valuation methodologies and non-observable inputs used. The valuation is sensitive to the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 134.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">significant non-observable market inputs described above, which are inherently forward-looking and could be affected by <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 143.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">future economic and market conditions.&#160; The audit effort involved professionals with specialized skills and knowledge to assist <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 152.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">in evaluating the audit evidence obtained.<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 105pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 520.5pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">How Our Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Addressed the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 21.37pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 30.74pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 520.5pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We obtained an understanding, evaluated the design, and tested the operating effectiveness of management&#8217;s controls over <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12.38pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the valuation processes. The controls we tested related to, among other areas, management&#8217;s determination and approval of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 22.13pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">assumptions and methodologies used in model-based valuations. The controls we tested also included controls over relevant <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 31.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">information technology.<font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 47.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">To test the valuation, our audit procedures included, among other procedures, involving our valuation specialists to assess the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 56.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">methodologies and significant inputs and assumptions used by management.&#160; These procedures included assessing the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 65.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">valuation methodologies used with respect to the Company&#8217;s policies, valuation guidelines, and industry practice and <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 74.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">comparing a sample of valuation assumptions used against benchmarks including comparable transactions where applicable. <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 83.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We also performed independent investment valuations on a sample basis to evaluate management&#8217;s recorded values. In <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 92.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">addition, we assessed the adequacy of the disclosures related to the valuation of invested assets and derivatives. <font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 774pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 594pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 513pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 513pt;"></div></div><div><div style="position: absolute; top: 40.5pt; width: 594pt;"><div style="font-size: 0pt; left: 45pt; position: absolute; top: 0pt; width: 502.5pt;"><div><table style="border-collapse: collapse; display: inline-table; width: 100%;"><tr style="height: 0;"><td style="padding: 0; width: 66.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 6pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 423.75pt;" rowspan="1" colspan="1"></td><td style="padding: 0; width: 6pt;" rowspan="1" colspan="1"></td></tr><tr style="height: 15pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 0pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 4.55pt; width: 423.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: bold; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">IFRS 9 Hedge Accounting<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 146.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 20.25pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 20.25pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">The Company has designated hedge accounting relationships with the objective to reduce potential accounting mismatches <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 11.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">between changes in the fair value of derivatives in income and financial risk of insurance contract liabilities and financial <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 20.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">assets in other comprehensive income. Specifically, the Company has established relationships to hedge the fair value <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 29.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">changes of certain of the Company&#8217;s insurance contract liabilities and debt instruments attributable to interest rate risk. The <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 38.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Company has also established relationships to hedge the risk of fair value changes of certain foreign currency denominated <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 47.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">insurance contract liabilities and debt instruments attributable to foreign currency and interest rate risk. Related to the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 56.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">application of these hedges, the Company recognized changes in value of hedged assets of ($462) million, and changes in <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 65.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">value of hedged liabilities of $3,646 million, for the year ended December 31, 2024. Disclosures on this matter are found in <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 74.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Note 1 &#8216;Nature of Operations and Material Accounting Policy Information&#8217; and Note 4 &#8216;Derivative and Hedging Instruments&#8217; of <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 83.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">the consolidated financial statements.<font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 100.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">Auditing the application of hedge accounting was complex and required the application of significant auditor judgement related <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 109.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">to the assessment of the ongoing economic relationship between the risk component of the hedged item and hedging <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 118.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">instrument, the assessment that the hedge ratio between the hedging instrument and the hedged item was consistent with the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 127.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">risk objectives, and the determination of the resulting accumulated fair value adjustments. The audit effort involved <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 136.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; white-space: pre;">professionals with specialized skills and knowledge to assist in evaluating the audit evidence obtained.<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 5.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-left: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-right: 0.25pt solid #000; border-top: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 131.25pt;"><td style="background-color: #caeed9; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 0pt; position: absolute; top: 177.75pt; width: 66.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">How Our Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Addressed the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 21.37pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Key Audit <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 30.74pt; width: 66.75pt;"><font style="color: #000000; font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: italic; font-weight: bold; left: 5.4pt; position: absolute; text-decoration: none; white-space: pre;">Matter<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"><div style="left: 72.75pt; position: absolute; top: 177.75pt; width: 423.75pt;"><div><div style="line-height: 5.46pt; position: absolute; top: 2.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">We obtained an understanding, evaluated the design, and tested the operating effectiveness of management&#8217;s controls over <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 12.38pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">the application and execution of those strategies, including the implementation of new strategies where applicable, and the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 22.13pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">measurements of the accumulated fair value adjustments. The controls we tested included, among others, controls over the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 31.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">review of the completeness, accuracy, and eligibility of the hedged items and hedging instruments included in the hedging <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 41.63pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">relationships, determination of the hedge ratio between the hedging instrument and the hedged item with reference to the risk <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 51.38pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">objectives, and the determination of the resulting accumulated fair value adjustments. The controls we tested also included <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 61.13pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">controls over relevant information technology. <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 76.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">To assess the Company&#8217;s application of these hedge accounting strategies under IFRS 9, our audit procedures included, <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 85.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">among other procedures, involving our hedge accounting and derivative specialists to support our independent testing of the <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 94.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">application of the hedge ratio by the Company and the valuation of a sample of the accumulated fair value adjustments. Other <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 103.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">procedures performed include testing over the completeness and accuracy of the hedged items and hedging instruments <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 112.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">designated in these relationships and the determination of the resulting accumulated fair value adjustments. In addition, we <font style="display: inline-block; height: 5.46pt;"></font></font></div><div style="line-height: 5.46pt; position: absolute; top: 121.88pt; width: 423.75pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 7.5pt; font-style: normal; font-weight: normal; left: 2.63pt; position: absolute; text-decoration: none; white-space: pre;">assessed the adequacy of the disclosures related to hedge accounting.<font style="display: inline-block; height: 5.46pt;"></font></font></div></div></div></td><td style="border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr><tr style="height: 6pt;"><td style="background-color: #caeed9; border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-left: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td><td style="border-bottom: 0.25pt solid #000; border-right: 0.25pt solid #000; font-size: 0; text-align: left; vertical-align: top;" rowspan="1" colspan="1"></td></tr></table></div></div></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 360.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Other Information<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 381.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Management is responsible for the other information. The other information comprises&#58;<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 397.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Management&#8217;s Discussion and Analysis&#59; and<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 409.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">The information, other than the consolidated financial statements and our auditor&#8217;s report thereon, in the <font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 478.97pt; position: absolute; text-decoration: none; white-space: pre;">2024<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 498.97pt; position: absolute; text-decoration: none; white-space: pre;"> Annual <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 421.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Report.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 439.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Our opinion on the consolidated financial statements does not cover the other information and we do not express any form of <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 450.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">assurance conclusion thereon<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 164.45999999999998pt; position: absolute; text-decoration: none; white-space: pre;">.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 467.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">In connection with our audit of the consolidated financial statements, our responsibility is to read the other information, and in <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 478.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">doing so, consider whether the other information is materially inconsistent with the consolidated financial statements or our <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 489.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">knowledge obtained in the audit or otherwise appears to be materially misstated. <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 505.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We obtained Management&#8217;s Discussion and Analysis prior to the date of this auditor&#8217;s report. If, based on the work we have <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 516.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">performed, we conclude that there is a material misstatement of this other information, we are required to report that fact in this <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 527.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">auditor&#8217;s report. We have nothing to report in this regard. <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 544.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">The <font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 62.989999999999995pt; position: absolute; text-decoration: none; white-space: pre;">2024<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 82.99000000000001pt; position: absolute; text-decoration: none; white-space: pre;"> Annual Report is expected to be made available to us after the date of the auditor&#8217;s report. If, based on the work we <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 555.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">will perform on this other information, we conclude there is a material misstatement of other information, we are required to <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 565.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">report that fact to those charged with governance<font style="display: inline-block; height: 6.55pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 240.44pt; position: absolute; text-decoration: none; white-space: pre;">.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 582.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Responsibilities of Management and Those Charged with Governance for the <font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 598.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Consolidated Financial Statements<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 618.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Management is responsible for the preparation and fair presentation of the consolidated financial statements in accordance with <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 629.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">IFRS, and for such internal control as management determines is necessary to enable the preparation of consolidated financial <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 640.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">statements that are free from material misstatement, whether due to fraud or error.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 657.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">In preparing the consolidated financial statements, management is responsible for assessing the Company&#8217;s ability to continue <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 668.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 678.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">unless management either intends to liquidate the Company or to cease operations, or has no realistic alternative but to do so.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 695.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Those charged with governance are responsible for overseeing the Company&#8217;s financial reporting process.<font style="display: inline-block; height: 6.55pt;"></font></font></div></div></div><div style="--justify: justify; --position: absolute; background-color: #FFFFFF; border: 1px solid #CCCC; content-visibility: auto; float: none; font-size: 0; height: 774pt; margin: 10px auto 10px auto; overflow: hidden; padding: 0; position: relative; width: 594pt;"><div style="left: 0pt; position: absolute; top: 747pt;"><div style="width: 513pt;"></div></div><div style="left: 0pt; position: absolute; top: 0pt;"><div style="width: 513pt;"></div></div><div><div style="font-size: 12pt; line-height: 8.73pt; position: absolute; top: 40.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 12pt; font-style: normal; font-weight: bold; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Auditor&#8217;s Responsibilities for the Audit of the Consolidated Financial Statements<font style="display: inline-block; height: 8.73pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 61.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Our objectives are to obtain reasonable assurance about whether the consolidated financial statements as a whole are free from <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 71.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">material misstatement, whether due to fraud or error, and to issue an auditor&#8217;s report that includes our opinion. Reasonable <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 82.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with Canadian generally <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 93.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">accepted auditing standards will always detect a material misstatement when it exists. Misstatements can arise from fraud or <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 104.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 115.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">economic decisions of users taken on the basis of these consolidated financial statements.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 131.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">As part of an audit in accordance with Canadian generally accepted auditing standards, we exercise professional judgment and <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 142.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">maintain professional skepticism throughout the audit. We also&#58;<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 159.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">I<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 65.5pt; letter-spacing: -0.025em; position: absolute; text-decoration: none; white-space: pre;">dentify an<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 102.28999999999999pt; position: absolute; text-decoration: none; white-space: pre;">d assess the risks of material misstatement of the consolidated financial statements, whether due to fraud or error, <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 171.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">design and perform audit procedures responsive to those risks, and obtain audit evidence that is sufficient and appropriate <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 183.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">to provide a basis for our opinion. The risk of not detecting a material misstatement resulting from fraud is higher than for <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 195.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">one resulting from error, as fraud may involve collusion, forgery, intentional omissions, misrepresentations, or the override of <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 207.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">internal control<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 121.95pt; position: absolute; text-decoration: none; white-space: pre;">.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 225.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 237.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Company&#8217;s internal control.<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 549.5pt; position: absolute; text-decoration: none; white-space: pre;"> <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 255.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Evaluate the appropriateness of accounting policies used and the reasonableness of accounting estimates and related <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 267.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">disclosures made by management.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 285.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Conclude on the appropriateness of management&#8217;s use of the going concern basis of accounting and, based on the audit <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 297.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">evidence obtained, whether a material uncertainty exists related to events or conditions that may cast significant doubt on <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 309.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">the Company&#8217;s ability to continue as a going concern. If we conclude that a material uncertainty exists, we are required to <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 321.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">draw attention in our auditor&#8217;s report to the related disclosures in the consolidated financial statements or, if such disclosures <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 333.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">are inadequate, to modify our opinion. Our conclusions are based on the audit evidence obtained up to the date of our <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 345.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">auditor&#8217;s report<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 123.12pt; position: absolute; text-decoration: none; white-space: pre;">. <font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 128.12pt; position: absolute; text-decoration: none; white-space: pre;">However, future events or conditions may cause the Company to cease to continue as a going concern.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 363.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Evaluate the overall presentation, structure and content of the consolidated financial statements, including the disclosures, <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 375.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">and whether the consolidated financial statements represent the underlying transactions and events in a manner that <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 387.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">achieves fair presentation.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 405.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 10pt; font-style: normal; font-weight: normal; left: 48.6pt; position: absolute; text-decoration: none; white-space: pre;">&#8226;<font style="display: inline-block; height: 7.28pt;"></font></font><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Obtain sufficient appropriate audit evidence regarding the financial information of the entities or business activities within the <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 417.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">Company to express an opinion on the consolidated financial statements. We are responsible for the direction, supervision <font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 7.28pt; position: absolute; top: 429.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 63pt; position: absolute; text-decoration: none; white-space: pre;">and performance of the group audit. We remain solely responsible for our audit opinion.<font style="display: inline-block; height: 7.28pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 447.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We communicate with those charged with governance regarding, among other matters, the planned scope and timing of the <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 458.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">audit and significant audit findings, including any significant deficiencies in internal control that we identify during our audit.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 475.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">We also provide those charged with governance with a statement that we have complied with relevant ethical requirements <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 485.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">regarding independence and communicate with them all relationships and other matters that may reasonably be thought to bear <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 496.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">on our independence, and where applicable, related safeguards.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 513.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">From the matters communicated with those charged with governance, we determine those matters that were of most significance <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 524.3pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">in the audit of the consolidated financial statements of the current period and are therefore the key audit matters. We describe <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 535.1pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">these matters in our auditor&#8217;s report unless law or regulation precludes public disclosure about the matter or when, in extremely <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 545.9pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">rare circumstances, we determine that a matter should not be communicated in our report because the adverse consequences of <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 556.7pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">doing so would reasonably be expected to outweigh the public interest benefits of such communication.<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 573.5pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">The partner in charge of the audit resulting in this independent auditor&#8217;s report is Michael Cox. <font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="position: absolute; top: 590.3pt; width: 594pt;"><div style="left: 45pt; position: absolute; top: 0pt;"><div style="position: absolute;"><img style="height: 54pt; width: 142.24pt;" src="eysignature2023.jpg" alt="eysignature2023.jpg"></div></div></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 661.2pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">Toronto, Canada<font style="display: inline-block; height: 6.55pt;"></font></font></div><div style="font-size: 12pt; line-height: 6.55pt; position: absolute; top: 675pt; width: 594pt;"><font style="font-family: &#39;Arial&#39;, sans-serif; font-size: 9pt; font-style: normal; font-weight: normal; left: 45pt; position: absolute; text-decoration: none; white-space: pre;">February&#160;19, 2025<font style="display: inline-block; height: 6.55pt;"></font></font></div></div></div></div></body></html>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
