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1. 2012 Manulife Financial CorporationAnnual ReportTABLE OF CONTENTS 9 Management’s Discussion and Analysis 11Financial Performance 18Performance by Division 36Risk Management…

1. 2012 Manulife Financial CorporationAnnual ReportTABLE OF CONTENTS 9 Management’s Discussion and Analysis 11Financial Performance 18Performance by Division 36Risk Management…

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