Organic Capital Generation and IFRS Transition Outlook

13 Individual Insurance (Canada) • Already a leader in foundation businesses #1 in number of policies sold Targeting mid/mass market Expansion businesses Becoming a leader in businesses targeted for strong expansion Individual Insurance (US) Individual Wealth Dealer Services (Canada) #1 in gross and net seg fund sales One of Canada's leading investment management firms Leader in product suite and number of dealers Top-of-mind provider in Canada by leveraging acquired distinctive expertise in long-established businesses Retail distribution Dealer Services (US)

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