The Standard Insurance Company

* Rates effective 8/12/19; initial rates offered are subject to change.

1. The purchase of the annuity for those age 91-93 must be for transfer-of-wealth or estate-planning purposes.

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insure, d, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with TCU, through TCU Investment Services, to make securities available to members. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty states.

The Standard is a marketing name for StanCorp Financial Group, lnc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

The Focused Growth Annuity is a product of Standard Insurance Company; Company; availability varies by state. Contract: ICC17-SPDA(01/17), SPDA (01/17). Riders: ICC17-R-TCB, ICC17-R-NHB, ICC17-R-ANN, ICC17-R-DB, ICC17-R-ANNDW, ICC17-R-EIO, ICC17-R-GOP, ICC17-E-SEPP, ICC17-R-IRA, ICC17-R-Roth IRA, ICC17-R-QPP, R-TCB, R-NHB, A-ANN, R-D8 , R-ANNDW, R-EIO, A-GOP, E-SEPP, A-IRA, A-Roth IRA, R-QPP. Surrender charges may apply to withdrawals during the surrender period. A 10% IRS penalty may apply to withdrawals prior to age 59½. The annuity is not guaranteed by any bank or credit union and is not insured by the FDIC or any other governmental agency. The purchase of an annuity is not a provision or condition of any bank or credit union activity. Some annuities may go down in value. The guarantees of the annuity are based on the financial strength and claims-paying ability of Standard Insurance Company. An annuity should not be purchased as a short-term investment.

SI 19453 (10/18)

TCU Investment Services Advisors are registered representatives of CUNA Brokerage Services, Inc. Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.  CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty States of the United States of America.