2009
07.08

MFC held a luncheon to discuss recent issues, notably, a new CFO, the OSC
action, earnings and capital. In this note, we focus on earnings, capital and
an issue we introduce, valuation.

CIBC increased their Q2/09E EPS to $0.78 from $0.48 MFC will provide a view on
core earnings power in its Q2/09 conference call.

Capital: MFC is pursuing a policy of “fortress” capital. We believe it has a
number of options to achieve that: 1) cut dividend; 2) issue innovative
capital; 3) issue equity; and 4) engage in reinsurance. We believe that
among other things a dividend cut is being considered.

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