Simple interest paid at maturity Less than 1 year: 30 days 90 days 180 days 270 days Up to $24,999 0.300 0.300 0.300 0.300 $25,000 - $49,999 0.300 0.300 0.300 0.300 $50,000 - $99,999 0.300 0.300 0.300 0.300 $100,000 - $249,999 0.300 0.300 0.300 0.300 $250,000 - $499,999 0.300 0.300 0.300 0.300 $500,000 - $999,999 0.300 0.300 0.300 0.300 $1,000,000 and more   Contact your insurance representative or Standard Life

1 to 10 years 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years Up to $24,999 0.900 0.675 1.450 1.875 2.350 2.450 2.550 2.650 2.750 2.850 $25,000 - $49,999 0.900 0.825 1.600 2.025 2.500 2.600 2.700 2.800 2.900 3.000 $50,000 - $99,999 0.900 0.925 1.700 2.125 2.600 2.700 2.800 2.900 3.000 3.100 $100,000 - $249,999 0.900 1.025 1.800 2.225 2.700 2.800 2.900 3.000 3.100 3.200 $250,000 - $499,999 0.900 1.125 1.900 2.325 2.800 2.900 3.000 3.100 3.200 3.300 $500,000 - $999,999 0.900 1.175 1.950 2.375 2.850 2.950 3.050 3.150 3.250 3.350 $1,000,000 and more Contact your insurance representative or Standard Life

Term Fund Plus 3.350 3.450 3.550 3.650 3.750 3.850

1 to 10 years 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years Up to $24,999 1.150 0.925 1.700 2.125 2.600 2.700 2.800 2.900 3.000 3.100 $25,000 - $49,999 1.150 1.075 1.850 2.275 2.750 2.850 2.950 3.050 3.150 3.250 $50,000 - $99,999 1.150 1.175 1.950 2.375 2.850 2.950 3.050 3.150 3.250 3.350 $100,000 - $249,999 1.150 1.275 2.050 2.475 2.950 3.050 3.150 3.250 3.350 3.450 $250,000 - $499,999 1.150 1.375 2.150 2.575 3.050 3.150 3.250 3.350 3.450 3.550 $500,000 - $999,999 1.150 1.425 2.200 2.625 3.100 3.200 3.300 3.400 3.500 3.600 $1,000,000 and more Contact your insurance representative or Standard Life

To determine the rate band, combine the premium amount and the policyholder's total Term Fund book value (including book value of Term Fund Plus) under all registered savings policies (RRSP, LIRA and LRSP).

Rate banding does not apply to Term Fund Plus, however, Term Fund Plus assets are taken into consideration when determining the rate banding asset level for other Term Funds.

To determine the interest rate for an unpublished term, use the interest rate for the nearest shorter term.

For simple interest paid to the Daily Interest Fund or to the policyholder (minimum term of 1 year), apply the following interest rate reductions:
- monthly or quarterly 0.250%
- semi-annually 0.125%

Rates and conditions are subject to change without notice.

We encourage you to contact your insurance representative or nearest Standard Life Regional Centre for additional product information to ensure that you receive the best possible advice to suit your specific needs.