Ideal 75/100 and Ideal 100/100 Series

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1 Investment Solutions This is all about Ideal 75/100 and Ideal 100/100 Series with Standard Life

2 Hello. Growth potential, without the roller coaster ride. If you want to enjoy the potential of watching your savings grow, but seek protection from market jitters, Standard Life s Ideal 75/100 or Ideal 100/100 Series may be the ideal solution for you. As part of our Ideal Segregated Funds Signature Series, they protect your capital while still leaving room for growth. What s more, they re flexible enough to move with you from the savings stage of your life through retirement, and offer fund choices to suit every style of investor.

3 Highlights: Enjoy peace of mind knowing your capital is protected at 100% in case of death 1, if you re under age 80 at Series issue With two maturity guarantees to choose from, you can select the level of protection that is right for you Automatic resets every three years (until age 70) on your Death Benefit Guarantee protecting your investment growth for your loved ones Wide range of investment choices, including funds from some of the top managers in the industry Flexibility and continual access to assets Potential for creditor protection 2 Ease of estate planning Opportunities to bypass probate fees 3 1 For details, see section How our guarantees work. 2 Since there are some circumstances where creditor protection may not apply, it is recommended that policyholders consult a legal advisor to find out if they are eligible for this kind of protection. 3 Not applicable in Québec as notarial wills do not need to be probated by the court and, for holograph wills and wills made in the presence of witnesses, probate fees are minimal.

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5 Why choose a segregated fund? Security Because segregated funds are only available through life insurance companies, they offer guarantees not available with mutual funds. When you select the Ideal 75/100 Series or Ideal 100/100 Series, you get: Depending on the Series, 75% 1 or 100% 1 Maturity Benefit Guarantee (savings plans) Depending on the Series, 75% 1 or 100% 1 Payout Guarantee (retirement income plans) 100% Death Benefit Guarantee 1, if you re under age 80 at Series issue This means that even if there are significant market downturns, you as the policyholder know you ll receive a guaranteed benefit upon Series maturity, or your loved ones will receive a death benefit. Standard Life s Ideal Segregated Funds Signature Series also offer the potential for creditor protection 2 and probate bypass opportunities 3. Furthermore, The Standard Life Assurance Company of Canada is a member of Assuris the industry s consumer safety net. Flexibility The Ideal Segregated Funds Signature Series policy is designed to meet your financial needs, throughout your lifetime, even if your needs change. Its flexibility allows you to transfer seamlessly between savings and retirement income plans. For example, when you re building your savings, your investments can be included in your RRSP. When you retire, they are automatically transferred to your Registered Retirement Income Fund (RRIF).

6 Choice Fund managers In addition to our in-house managers (Standard Life Investments Inc. and Standard Life Investments Limited), you have access to a wide range of funds from some of the top portfolio managers in the industry. Each portfolio manager was carefully chosen based on the following criteria so as to ensure maximum results: Solid reputation Consistent fund performance with excellent track record Complements Standard Life s existing funds Offers a wide range of funds

7 Stand-alone funds If you wish to choose your own funds, you can select from Standard Life s in-house Ideal Segregated Funds, or an impressive line-up of third-party funds. Portfolios If you prefer a pre-built solution, you may choose from Standard Life s Ideal Portfolios, the Russell LifePoints Portfolios, the Franklin Templeton Investments Quotential Portfolios, or Standard Life s new Ideal Select Portfolios. Taking a best of the best approach, the new multi-manager Ideal Select Portfolios incorporate carefully chosen funds from all the investment companies in the Ideal Segregated Funds Signature Series line-up.

8 Funds Fixed Income Funds: Ideal Money Market Ideal Canadian Bond Ideal Corporate High Yield Bond Ideal International Bond Balanced Funds: Ideal Income Balanced Ideal Russell Retirement Essentials Portfolio Ideal Monthly Income Ideal Balanced Ideal Trimark Balanced Ideal AIM Canadian Balanced Ideal Fidelity Canadian Balanced Ideal Fidelity Canadian Asset Allocation Ideal Russell Diversified Monthly Income Portfolio Ideal Global Monthly Income Ideal Templeton Global Income Ideal Trimark Global Balanced Ideal Fidelity Global Asset Allocation Canadian Equity Funds: Ideal Dividend Income Ideal Canadian Dividend Growth Ideal Canadian Equity Ideal Canadian Equity Focus Ideal Canadian Small Cap U.S. Equity Funds: Ideal U.S. Dividend Growth Ideal U.S. Equity Ideal U.S. Equity Focus Ideal U.S. Mid Cap International Equity Funds: Ideal Global Dividend Growth Ideal Global Equity Ideal Global Equity Focus Ideal European Equity Ideal International Equity

9 Portfolios Ideal Portfolios: Ideal Conservative Ideal Moderate Ideal Growth Ideal Dividend Growth & Income Ideal Aggressive Ideal Global Ideal Select Portfolios: Ideal Select Conservative Ideal Select Moderate Ideal Select Growth Ideal Select Dividend Growth & Income Ideal Select Aggressive Ideal Select Global Ideal LifePoints Portfolios: Ideal LifePoints Balanced Income Ideal LifePoints Balanced Ideal LifePoints Balanced Growth Ideal LifePoints Long Term Growth Ideal FT Quotential Portfolios: Ideal FT Quotential Diversified Income Ideal FT Quotential Balanced Income Ideal FT Quotential Balanced Growth Ideal FT Quotential Global Balanced Ideal FT Quotential Growth

10 How our guarantees work Guarantees Savings Plans: Maturity Benefit Guarantee 4 Retirement Income Plans: Payout Guarantee 4 Death Benefit Guarantee (age at Series issue) Under age 80 Age 80 or older 4 For Ideal 75/100 Series, the guarantee is payable on the condition that the Series has been in force for at least 10 years from the date of the first premium payment. For Ideal 100/100 Series, the guarantee is payable on the condition that the Series has been in force for at least 15 years from the date of the first premium payment. Additional premiums that have been in the Series less than 15 years are guaranteed at 75%.

11 Ideal 75/100 Series Series value or 75% of the net premium 5, whichever amount is greater Ideal 100/100 Series 100% of the net premium 5 75% of the net premium 6 100% of the net premium 6 100% 7 100% 7 75% 8 75% 8 Contact your advisor to learn more about Ideal 75/100 and Ideal 100/100 Series 5 The net premium for the maturity benefit guarantee is equal to the sum of premiums paid less proportional reductions for prior surrenders. 6 The net premium for the payout guarantee is equal to the sum of premiums paid less proportional reductions for prior surrenders, less the sum of scheduled retirement income payments % (Sum of premiums minus proportional reductions for prior surrenders or last reset value minus proportional reductions for prior surrenders since last reset value, minus scheduled retirement income payments since the last reset, if applicable). 8 75% (Sum of premiums minus proportional reductions for prior surrenders, minus scheduled retirement income payments, if applicable).

12 Retirement Investments Insurance Talk soon. Ideal 75/100 Series and Ideal 100/100 Series are offered on our Ideal Segregated Funds Signature Series policy, which is an insurance product. A description of the key features and the terms and conditions of Standard Life s Ideal Segregated Funds Signature Series is contained in the Information Folder and Policy Provisions. Subject to any applicable death and maturity guarantees, any part of the premium or other amount allocated to an Ideal Segregated Fund Signature Series is invested at the risk of the policyholder and may increase or decrease in value according to fluctuations in the market value of the assets of the Ideal Segregated Fund Signature Series. The Standard Life Assurance Company of Canada January 12,