Insurance issued by Liberty Life Insurance Company
www.rbcinsurance.com/us

Company Information

Liberty Life Insurance Company

Greenville, SC | NAIC #61492

RBC Insurance^® is the brand name for Liberty Life Insurance Company, a part of the global insurance operations of Royal Bank of Canada.

As the insurance specialist of one of the largest and most trusted financial institutions in North America, RBC Insurance offers a diversified range of insurance protection and wealth accumulation products that help individuals and businesses manage risk and build for the future. RBC Insurance is a part of RBC, a leading financial services company comprised of Royal Bank of Canada (TSX, NYSE: RY) and its subsidiaries. Although Liberty Life Insurance Company is a part of RBC, Liberty Life Insurance Company is solely responsible for its financial obligations.

Financial Strength

RBC

> $713 billion in assets as of January 31, 2009.¹

> Ranked 41^st largest corporation globally in total assets by Forbes Magazine, April, 2009.

> In business more than 130 years and providing insurance solutions for over a century.

> Largest bank in Canada, the country with the world’s soundest banking system.²

> Named to the Dow Jones Sustainability Index for the 9th straight year, RBC is recognized as one of the world’s financial, social and environmental corporate leaders.

RBC Insurance in the United States³

• A (Excellent) rating with A.M. Best - 3^rd highest of 16 ratings
• Assets: $3.60 billion
• Liabilities: $3.36 billion
• Capital & Surplus: $234.3 million

¹Canadian dollars and based on Canadian GAAP.

²World Economic Forum Global Competitiveness Report 2008-2009.

³Statutory values as of 12/31/08.

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