Investor Presentaiton

19 2016 76% 56% Shift to capital-light products % of new sales in low-guarantee products Individual Insurance (Canada) Segregated Funds 2017 2018 2019 2020 2021 H1/2022 96% 85% Supports a higher ROE Expansion in capital- light businesses in the last decade, such as Dealer Services, Wealth Management and Distribution, has contributed to an improvement in the Company's risk profile. Favours organic capital generation Lower capital requirement per sale

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