We Are The StandardInsurance, Retirement Plans, Investments And Advice

Our Company

The Standard provides employee benefi ts – group insurance and retirement plans – as well as individual disability insurance and annuities, investment advice and commercial mortgages to more than 8.4 million customers nationwide.1

Why have so many customers come to trust The Standard? Financial strength, comprehensive products and services, and commitment to customer service.

Financial Strength

Consistent fi nancial stability over time is the cornerstone of The Standard’s commitment to serving its customers. We don’t make risky bets with our investments, and we don’t get creative with our accounting.

In turbulent times, it’s reassuring to see how impartial observers rate The Standard:

Agency Rating Ranking

A.M. Best A (Excellent) 3rd of 13 rankings

Moody’s A2 (Good) 6th of 21 rankings

Standard & Poor’s A+ (Strong) 5th of 20 rankings

These ratings are for Standard Insurance Company as of July 2011. The A.M. Best rating includes The Standard Life Insurance Company of New York.

Comprehensive Products And Services

The Standard family of companies provides a broad range of products and services designed to help our customers achieve the fi nancial security they need to confi dently pursue their dreams.

Insurance

The insurance subsidiaries of The Standard – Standard Insurance Company and The Standard Life Insurance Company of New York – combine to make The Standard:

• A top-10 provider of group disability insurance2

• A top-10 provider of group life insurance3

Standard Insurance Company is also among the 10 largest individual disability insurance providers in the U.S.4

From fl exible plan design to underwriting and claims management – we provide focused expertise and comprehensive solutions. Through our proactive approach and emphasis on long-term partnerships, we help employers create and maintain more productive and effi cient workplaces.

Standard Insurance Company, the oldest and largest among the companies that comprise The Standard, accounts for approximately 95 percent of The Standard’s group insurance premium in force and The Standard Life Insurance Company of New York accounts for the remainder.

1 StanCorp Financial Group internal data, as of December 31, 2010.

2 2010 U.S. Group Disability Mid-Year Market Survey, JHA.

3 2010 U.S. Group Life Mid-Year Market Survey, JHA.

4 U.S. Individual Disability Insurance Sales Survey, LIMRA (only includes Standard Insurance Company).

5 Biennial survey of group disability insurance brokers, JHA, 2009.

Retirement Plans

Standard Retirement Services, Inc. provides recordkeeping and administrative services for employer-sponsored retirement plans. StanCorp Equities, Inc. distributes group annuities and provides sales support for those clients. The companies serve:

• Nearly 578,000 participants1

• Nearly 4,000 plan sponsors1

Investments And Advice

Standard Insurance Company provides fi xed annuities to individuals. The company:

• Has nearly 40,000 individual fi xed deferred and immediate annuities in force1

• Holds more than $2.6 billion in individual annuity assets1

StanCorp Mortgage Investors:

• Originated more than $900 million in commercial mortgages in 20101

• Manages over $2.5 billion in commercial mortgage loans for outside investors1

StanCorp Investment Advisers:

• Provides objective, fee-only advisory services to more than 1,200 private clients1

• Manages over $1.1 billion in private-client assets1

• Manages retirement plan assets for clients of Standard Retirement Services, including selecting and monitoring the mutual funds offered to those plans1

Commitment To Customer Service

The company that would grow to become The Standard was founded in 1906 as an alternative to the established insurers of the time. The Standard’s founders believed that by focusing on their customers they could build long-lasting relationships. Our fi rst group insurance policy, written in 1951 and still in force today, stands as a testament to this commitment.

Our focus on service is frequently recognized in industry quality and satisfaction surveys. According to employer research conducted in 2008 by JHA, 86 percent of The Standard’s group disability customers said they were “extremely” or “very satisfi ed” with the service they received. The Standard was also noted for being easy to do business with, delivering on promises and meeting employers’ needs.5

The Standard has exceeded expectations. That’s because we know our most important promise is the one we make to our customers – to be there when they need us.

For Employers

Insurance

• Group Long Term

Disability (LTD)

• Group Short Term

Disability (STD)

• Statutory Disability

(N.Y. & N.J. only)

• Group Life/Accidental Death

& Dismemberment (AD&D)

• Group Dental

• Group Vision

• Small Group Life/AD&D,

LTD, STD, Dental and Vision

• Voluntary Group Life/AD&D,

Disability and Dental

• Guarantee Issue (GI)

Individual Disability

Retirement Plans

• 401(k)

• 403(b)

• 457

• Defi ned Benefi t

• Profi t Sharing and

Money Purchase

For Individuals

• Personal Income Protection

• Business Overhead

Expense Protection

• Buy/Sell Agreement Funding

• Fixed Rate and Index

Rate Deferred Annuities

• Immediate Annuities

For Investors

• Personal Financial Planning,

Investment Advice and

Investment Management

• Commercial Mortgage Loans

We Are The StandardSI 14860 (4/12)

The Standard 1100 SW Sixth Avenue Portland OR 97204

www.standard.com

A Guide To Understanding Our Ratings

A.M. Best’s Financial Strength Rating process involves a comprehensive quantitative and qualitative analysis of a company’s balance sheet strength, operating performance and business profi le. This includes comparisons to peers and industry standards as well as assessments of an insurer’s operating plans, philosophy and management. Secure ratings range from A++, A+ (Superior) and A, A- (Excellent), to B++, B+(Very Good). Vulnerable ratings range from B, B- (Fair), C++, C+ (Marginal), C, C- (Weak) and D (Poor) to E (Under Regulatory Supervision), F (In Liquidation) and S (Rating Suspended).

A Standard & Poor’s Insurer Financial Strength Rating is a current opinion of the fi nancial security characteristics of an insurance organization with respect to its ability to pay under its insurance policies and contracts in accordance with their terms. An insurer rated “AA” has very strong fi nancial security characteristics, differing only slightly from those rated higher. An insurer rated “A” has Strong fi nancial security characteristics, but is somewhat more likely to be affected by adverse business conditions than are insurers with higher ratings. Plus (+) or minus (-) signs following ratings from “AA” to “CCC” show relative standing within the major rating categories.

Moody’s Insurance Financial Strength Ratings are opinions of the ability of insurance companies to punctually repay senior policyholder claims and obligations. Moody’s uses a letter grade scale that ranges from Aaa (“Exceptional”) for the highest rating to C (“Lowest”) for the least favorable rating (i.e., Aaa, Aa, A, Baa, Ba, B, Caa, Ca, C). For classes Aa to B, Moody’s adds a numerical modifi er, from 1 (at the high end of the category) to 3 (at the low end) to indicate the approximate ranking of a company in the particular classifi cation. An “A” rating signifi es “Good” security with possible susceptibility to future impairment.

The Standard is the marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Ore. in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N.Y. StanCorp Equities, Inc., member FINRA, distributes group annuity contracts issued by Standard Insurance Company and provides other brokerage services. Third-party administrative services are provided by Standard Retirement Services, Inc., of Portland, Ore. Investment advisory services are offered through StanCorp Investment Advisers, Inc., of Portland, Ore. Commercial real estate loans are originated, underwritten and serviced by StanCorp Mortgage Investors, LLC, and a network of commercial mortgage banking correspondents. Product features and availability vary by state and company, and are solely the responsibility of each subsidiary.