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2021 ANNUAL REPORT

2 021 A N N UA L R E P OR T. CONTENTS. Who We Are 1. Financial Highlights 2. Delivering On Our Promises 3. 2021 Directors' REPORT to shareholders 4. Advice Centred value Creation 6. Digital Capabilities 7. Workplace Extensions 8. Risk and Investment Expertise 10. Encouraging Sustainability 12. Advancing Focus on Diversity and Inclusion 14. Bene tting From Stable and Effective Governance 14. Supporting Our Communities 15. Management's Discussion and Analysis 16. Financial Reporting Responsibility 101. Consolidated Financial Statements 102. Independent Auditor's REPORT 183. Sources of Earnings 187. Five-Year Summary 189. Directors and Senior Of cers 190. Shareholder Information 191. The nancial information in this REPORT is presented in millions of Canadian dollars for the period ended December 31, 2021, unless otherwise indicated.

investing to create shareholder value. We believe that effective delivery of advice is key to creating lifetime value for our millions of customers. It’s with this focus that we’ve been strengthening traditional advisor channels and extending our reach by acquiring and building new hybrid and digital advice channels.

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