Registered Annuities (immediate or deferred)

      -   Table 68 applies to Life Annuities with Level or Increasing payments.
      -   Table 83 applies to Term Certain Annuities greater than 10 years with Level or Increasing
          payments.

Non- Registered Annuities (immediate or deferred)

      -   Table 68 applies to Life Annuities with Level or Increasing payments.
      -   Table 83 applies to Term Certain Annuities greater than 10 years with Level or Increasing
          payments.

Structured Settlement Annuities (immediate or deferred)

      -   Table 77 applies to Life Annuities with Level or Increasing payments.
      -   Table 90 applies to Term Certain Annuities greater than 10 years with Level or Increasing
          payments.

Rates and conditions are subject to change without notice.

Please contact your nearest Standard Life Regional Centre for additional product information.