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Investment Products Ideal Segregated Funds Term Funds Annuities

Investment Products Ideal Segregated Funds Term Funds Annuities.

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Investment Products Ideal Segregated Funds Term Funds Annuities

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  1. Investment ProductsIdeal Segregated FundsTerm FundsAnnuities Ideal Segregated Funds and Term Funds are offered under Standard Life’s savings and retirement income plans, which are insurance products. A description of the key features of Standard Life’s Ideal Segregated Funds is contained in the information folder. Subject to any applicable death and maturity guarantee, any part of the premium or other amount allocated to an Ideal Segregated Fund 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. The Standard Life Assurance Company of Canada March 2005

  2. Term Fund Plus • Minimum Deposit $25,000 • Customized Terms of 5 to 10 years

  3. Ideal Segregated Funds • The Standard Life Advantage: • Low management fees guaranteed not to exceed 3% • 5 year Back End Schedule • Standard Life Investment Management – institutional portfolio managers with a proven track record for core investment management • Easy to do business with • Ideal Solutions by phone 1-888-841-6633 NO PAPERWORK! • Client Info • Coming soon: new client statements

  4. Who are segregated fund policies appropriate for? • Business owners – Creditor Protection • Retirement Market – Estate Planning, Probate Avoidance 50+ • Risk adverse investors who want exposure to equity and bond markets: investment guarantees • RSP Investors – Asset Allocation Funds

  5. Segregated Fund Policy Advantages

  6. Low Fee StructureCore Funds MERs Shown 4 Source: Bellcharts, June 30, 2004

  7. Standard Life Investments Inc. (Canada) • Providing investment management services in Canada since 1973 • Global expertise • Team of 38 investment professionals* • Average of 15 years investment experience, 8 years with Standard Life* • Actively managed assets were over $24 billion Cdn* * As of December 2004

  8. Consistent Portfolio Management for all Mandates SLI TEAM Mutual Funds & Segregated Funds Endowments Pension Funds

  9. Investment philosophy • We believe that proprietary fundamental research and risk management is the key driver of consistent performance • Use a multi-factor approach • We employ a team based approach across asset classes, business areas and regional offices • Active Manager: Focus on Change: • What are the key drivers? • What is changing? • What expectations are implied in the price? • Why will the market change its mind about these expectations? • What is the trigger?

  10. Standard Life’s 16 Ideal Segregated Funds • Fixed Income Funds • Ideal Money Market Fund • Ideal Canadian Bond Fund • Ideal Corporate High Yield Bond Fund * • Ideal International Bond Fund * • Balanced Funds • Ideal Income Balanced Fund • Ideal Balanced Fund • Ideal Monthly Income Fund * • Equity Funds • Ideal Canadian Dividend Growth Fund * • Ideal Global Dividend Growth Fund* • Ideal Canadian Equity Fund • Ideal Canadian Small Cap Fund * • Ideal U.S. Equity Fund * • Ideal S&P 500 Index Fund * • Ideal Tactical U.S. Equity Fund * • Ideal International Equity Fund * • Ideal Tactical Global Equity Fund* *This fund invests in an underlying Standard Life Mutual Fund.

  11. Potential Return Potential Risk 4 Ideal PortfoliosAll-in-one solution Efficient Frontier* Aggressive Portfolio Growth Portfolio Moderate Portfolio Conservative Portfolio • Mix of fixed and variable investment vehicles • Based on Investor Profiles • Optimization along the efficient frontier • General guideline for advisors using stand-alone funds *The Efficient Frontier represents the portfolios that will provide the highest return for a given level of risk. This presentation is not intended to be communicated or otherwise passed on to investors

  12. Canadian Dividend Growth Fund Investment Strategy • Track record of Tax Efficiency has been exceptional • Low turnover, buy and hold, large cap style • Conservative approach suitable for older age market • Dividends expected to be in favor

  13. Dividend Growth Fund

  14. Income Balanced

  15. Ideal Global Dividend Growth Fund Investment Mandate • Complement to our Canadian Dividend Growth Fund and is a good foreign fund of “blue chips” for more conservative investors • The objective is to provide stable performance in up or down markets • The portfolio is diversified by country, sector and market capitalization • The nature of the mandate should result in a volatility of returns lower than that of the MSCI-World Index

  16. For advisors only Holding Report* • Current dividend yield is 2.2% (MSCI World: 1.6%) • Currently overweighed in Canada & Europe *As of Oct. 31st, 2004 This presentation is not intended to be communicated or otherwise passed on to investors 12

  17. For advisors only Dividend Achievers • Index developed by Mergent composed solely of stocks of some 300 companies that have continuously increased their dividends for the past 10 years at minimum. Source: www.mergent.com This presentation is not intended to be communicated or otherwise passed on to investors 5

  18. For advisors only Hedge in a Down Market Source: www.mergent.com This presentation is not intended to be communicated or otherwise passed on to investors 6

  19. For advisors only The Time is Right for Dividends • Investor focus has shifted • Lessons of the bear market • Increased corporate governance • Taxes are down • US Dividend taxes now at par with capital gains • Profit growth stronger than anticipated • S&P 500 (Q2/2004) earnings from continuing operations rose 26% vs. estimated 14.9% • More companies are making big payouts • For the first half of 2004, there were 895 dividend increases, a 13.6% increase from 2003 and a 19.8% increase from the same period in 2002 • 370 companies in the S&P 500 are now paying dividends (435 in 1994, 351 in 2002) Source: Business Week, March 1, 2004; Thomson First Call, August 2004 This presentation is not intended to be communicated or otherwise passed on to investors 7

  20. For advisors only In Summary • Alternative for investors concerned about market volatility • Investors should highly consider dividend paying stocks in today’s market • Potential for long-term capital appreciation • Aim to deliver stable and attractive returns • Global investment for Increased portfolio diversification • Both are managed by the award-winning team of Standard Life Investments This presentation is not intended to be communicated or otherwise passed on to investors 18

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