The Standard Today

For more than 100 years Standard Company has helped people achieve financial security so they can confidently pursue their dreams.

Over 8 million people across the country depend on The Standard for financial products and services. But even more than our products, it is our recognized expertise, strength and singular focus on our customers that inspire confidence. At The Standard, we offer a different way of doing things and take pride in

Eric E. Parsons doing what it takes to earn your business. Chairman and Chief Executive Officer

Our most important promise is the one we make to our customers — to be there when The Standard is licensed in 49 states, they need us. Behind this the District of Columbia and the United promise is the strength that States Territories of Guam and the Virgin Mission Statement stems from our disciplined Islands. And with nearly 3,000 employees financial practices and the The people of StanCorp in the Portland, headquarters and stability that results from our Financial Group exceed local offices across the nation, we deliver long-term outlook. Prudent customers’ needs for financial management allows us to responsive, professional service to each of products and services in weather economic uncertainty our policyowners and representatives. We do growing markets where the and ensures that we continue everything we can to make sure you’re satisfied, application of specialized keeping our financial whether that means doing the unexpected or expertise creates potential for commitment. just being there for you to talk to. We enjoy superior shareholder returns. surprising people by being a company that is Purpose Financial Strength Ratings never satisfied with “good enough.” Standard Insurance Company To help people achieve A.M. Best A Standard Insurance Company is the flagship financial security so they “Excellent” (3rd of 13 rankings) subsidiary of StanCorp Financial Group, Inc., can confidently pursue Standard & Poor’s AA- which is listed and traded under the symbol their dreams. “Very Strong” (4th of 20 rankings) “SFG” on the New York Stock Exchange. Moody’s A1 “Good” (5th of 21 rankings) The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon 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. Investment services are offered through StanCorp Investment Advisers of Portland, Oregon. Product features and As of October 31, 2008 availability vary by state and company.

9037 (10/08) The Standard Yesterday

Product Offerings 1906 Oregon Life Insurance Company

Insurance Leo Samuel and his associates began competing against Eastern insurance giants with Oregon Life Insurance Group Disability Insurance Company. Seeing an opportunity to build the local economy Group Life Insurance and his neighbors’ financial security, Samuel shaped a company Group Dental Insurance dedicated to financial strength, excellence and growth. Individual Disability Insurance Leo Samuel Asset Management 1929 Oregon Mutual Life Insurance Company Founder

Retirement Plans With a name change and some reorganization, Oregon Mutual Life Insurance Individual Annuities Company became the first mutual insurance company in the Northwest. In the Commercial Mortgage Loans early 1930s, the company began enhancing policyowners’ financial security by Investment Advice offering a guaranteed income for life with immediate annuities. The company’s continued financial strength and solid asset management allowed the annuity line to play a prominent role in growth and expansion through the years.

1946 Standard Insurance Company

As operations continued to expand nationally, the company changed its name to Standard Insurance Company. Growth continued through these decades with the introduction of new products and the entrance into new markets. Changes over these years never lost sight of the company’s commitment to quality service and financial strength.

StanCorp Financial Group 1999 StanCorp Financial Group, Inc. Assets $14.98 billion StanCorp Financial Group, Inc. was formed as parent Fixed to Standard Insurance Company and several other Clippers dangled from the wooden Maturity Securities 57.2% fence next to the roses — an invitation of Invested Assets financial subsidiaries, changing from a mutual life to passersby to take some flowers A or Higher 72.5% insurance company to a publicly traded company. This with them. Leo Samuel, the homeowner, wanted everyone to enjoy BBB/Baa 23.4% parent company is now listed and traded under the BB/Ba 2.4% the roses he grew. It’s why he cultivated B or Lower 1.7% ticker symbol “SFG” on the New them next to his sidewalk. York Stock Exchange. Since Soon, neighbors followed his Commercial going public, the company example, growing their roses, not in Mortgage Loans 41.9% backyards, but where pedestrians could of Invested Assets has seen stable growth and appreciate them and snip a few. The 60-Day continued annuity sales. welcoming idea spread across the block Delinquencies 0.05% and eventually across the city. Now The Standard Some say it was Leo who earned Other 0.9% Portland its nickname: The Rose City. of Invested Assets The Standard is known for And yes, Portlanders still like to plant their roses by the sidewalks. Portfolio Yields conducting business with Fixed expertise, commitment, Maturity Securities 5.57% integrity and an unwavering focus on service. Entering Commercial Constructed in 1963, its second century, this remains our commitment to all Mortgage Loans 6.36% The Standard Plaza is one of three buildings occupied customers. The Standard continues working to earn your by StanCorp in Portland, trust every day. As of December 31, 2007 Oregon’s financial district.