Enrolling in your group program with Standard Life Express TM Plan for life TM

Company name Broker/Advisor and Logo Date

Plan for life TM Broker/advisor name xxxxxxxxxxxxxxxxxxx Xxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxx 3

Plan for life TM Key topics Enrolling today Contributions Investments Guidance Questions and answers 4

Plan for life TM How do you feel about your retirement? 5

Plan for life TM Did you know? 6 Nearly 20% of all Canadians expect their retirement income to be barely adequate and about 10% expect it to be inadequate for retirement. Statistics Canada –2007 General Social Survey Report: The retirement plans and expectations of older workers (near ‑ retirees aged 45 ‑ 59 were surveyed).

Plan for life TM A dollar a day 7 $3,351 $8,810 $17,701 *The calculations are based on 5% rate. $20,000 $15,000 $10,000 $5,000 $0

Plan for life TM How much do I need? 8 Experts suggest you will need to replace 70% of your salary. Keep in mind, your income will come from three sources: Government programs (Old Age Security, Canada or Quebec pension Plan) Your group savings and retirement program Your personal savings (real estate, other savings plans or income)

Plan for life TM Advantages of payroll deductions In the example below, saving $50 really only costs you $30 on your take home pay. And you pay less in tax. 9 5% = $50

Plan for life TM How much am I allowed to contribute? 10 Limit set by Canada Revenue Agency (CRA) 18% of your previous year’s earned income or the dollar maximum stipulated for the current year Note: It is your responsibility to monitor your limits Check your Notice of Assessment (only for RRSP and TFSA)

Plan for life TM Start now, save more. Regular contributions. 11 Same amount of money ($48,000), same investment return (5%), longer period of time… the savings almost double! You simply earn more by putting aside smaller amounts of money over a longer period of time. $100/month over 40 years $200/month over 20 years $148,856 $81,492

Plan for life TM Pay yourself first. 12 $600 $400 $510 $340 $150

Plan for life TM Your group program Registered Retirement Savings Plan (RRSP) Deferred Profit Sharing Plan (DPSP) Tax-Free Savings Account (TFSA) Employee contributions Review the “Summary of Main Provisions” located in your enrolment kit for more plan details and other important information. Employer contributions Employee contributions 13

Plan for life TM What is an RRSP? The advantages of a Group Registered Retirement Savings Plan (RRSP): A convenient, disciplined savings program through payroll deduction Immediate tax reductions Dollar cost averaging reduces investment risk Group buying power – favorable interest rates and lower investment management fees Spousal RRSP available (Income-splitting) 14

Plan for life TM What is a DPSP? A Deferred Profit Sharing Plan (DPSP): A simple, flexible arrangement whereby your employer pays contributions based on the company’s profits Employee does not contribute to the plan Group buying power – favorable interest rates and lower investment management fees Flexibility at termination and retirement – vesting to occur no later than 24 months after participation began. No locking-in rules. A wide variety of investment funds 15

Plan for life TM Termination or retirement At termination or retirement: – Contributions can be cashed out (for DPSP, if vested) – Can be transferred to another Registered Retirement Savings Plan (RRSP) –Can be used to purchase an annuity, or a RRIF 16

Plan for life TM Tax-Free Savings Account (TFSA) Capital gains and other investment income earned will not be taxed – even upon withdrawal! Contribution room starting at $5,000 per year and indexed to inflation and rounded to the nearest $500 on a yearly basis TFSA withdrawals can be re-contributed the following year with no penalty Carry forward unused contribution room for an indefinite period Choose from a variety of investment options much like those in your RRSP TFSA assets can be transferred to a spouse upon death Effective savings vehicle for both short term and long term goals The same low management fees as with your group retirement products 17

Plan for life TM Investments Market-related funds Investments are not guaranteed Invest in a variety of securities Fixed Income Funds Balanced Funds Equity Funds Compound Interest Accumulator (CIA) Daily Interest Account (DIA) Guaranteed funds Little or no risk Lower rate of return over the long-term 18

Plan for life TM Fixed Income Funds -Invest in interest generating investments -Treasury bills, bonds, mortgages Equity Funds -Invest in equity or shares of corporations -Canadian equity, American, International Balanced Funds -Invest in a mixture of stocks and bonds -Portfolio changes as market conditions change Investments 19

Plan for life TM To find out more… Consult the back of your enrolment form for a complete list of fund options The “rates of return” and “fund summaries” can provide useful information to compare investment performance and any fees charged by the investment manager Your Investment options 20

Plan for life TM Choosing your investments It’s simple and easy… You need to know two things to start investing Your investment period Your investor profile 21

Plan for life TM Your investor profile 22

Plan for life TM One page fund summaries Information on fund manager Objective, style of fund Top 10 holdings Portfolio composition Gross rates of return Fund summaries 23

Plan for life TM Avenue portfolios TM 24 Automatically rebalanced within each portfolio Automatically risk- adjusted as you age Investor profile Investment period Conservative >25 years Conservative years Conservative years Conservative 10 – 15 years Conservative <10 years Moderate >25 years Moderate years Moderate years Moderate 10 – 15 years Moderate <10 years Aggressive >25 years Aggressive years Aggressive years Aggressive 10 – 15 years Aggressive <10 years

Plan for life TM Lifecycle movement Ensures that your chosen Avenue portfolio remains appropriate as your investment period shortens Activated when you pick Avenue portfolios but you can deactivate it at any time 25 More than years years Less than year

Plan for life TM Systematic Asset Rebalancing Rebalances your Avenue portfolio to ensure your level of risk always remains aligned to your investor profile Activated when you pick Avenue portfolios but you can deactivate it at any time 26

Plan for life TM Picking your own investments 27

Plan for life TM The Monitored Avenue Portfolio Program (MAPP): once your particular investment solution is chosen it is then thoroughly monitored to ensure that there is no deviation in the portfolio’s long-term investment objective. Any changes triggered by the monitoring will be transparent and seamless for you. Monitored Avenue Portfolio Program 28

Plan for life TM Spousal RRSP account Employee account Spousal account Group RRSP Your contributions Your tax deduction Account in your name Your contributions Your tax deduction Account in spouse’s name 29

Plan for life TM Spousal RRSP account Comparison of splitting retirement income IncomeTaxes paidMoney kept Spouse #1$50,000$15,073$34,927 Spouse #2000 Income splitting Spouse #1$25,000$ 5,096$19,904 Spouse #2$25,000$ 5,096$19,904 Total combined$50,000$10,192$39,808 30

Plan for life TM Your VIP Room and Retirement calculator 31

Plan for life TM Know your rights and responsibilities 32 It’s your right to receive information about: the features of your group program the investment options available to you the tools and services we offer It’s your responsibility to: use the information and tools provided by your employer and Standard Life seek information about the rules and features of your plan(s) choose contribution amounts and investments when and where applicable seek financial and legal advice

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Plan for life TM 43 Online enrolment

Plan for life TM Online enrolment 44

Plan for life TM Account statements Summary of your account, detailed information about your plans Includes your Retirement checkup TM Sent directly to your home or online in your VIP Room 45

Plan for life TM What you need to do? Read through the enrolment material provided Complete the investor profile questionnaire Choose an Avenue portfolio or pick your own À la carte funds Complete the enrolment process by the target date set by your employer and return the signed beneficiary designation form back to your employer who will forward it to Standard Life 46

Plan for life TM Questions?

Plan for life TM 48 All digital assets such as images, sounds, footage and fonts contained in which were created by, licensed to or owned by Standard Life Canada and its affiliates are subject to license restrictions. Use of these assets outside of their original authorized purpose is prohibited without the written consent of the GDS, and may involve the disbursement of additional licensing fees. Failure to obtain this approval may result in legal action. Any additional usage of the asset from what was disclosed should be discussed with GDS to assure that the asset rights permit this use. GDS must be advised before transferring assets such as images, sounds, footage and fonts to a third party regardless of if they are original to Standard Life or purchased from an online bank. Questions?