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EEV - Independent auditors’ report to the Directors of Standard Life plc on the supplementary financial statements

We have audited the supplementary financial statements of Standard Life plc for the year ended 31 December 2008 that comprise the European Embedded Value (EEV) consolidated income statement, the EEV consolidated balance sheet, the EEV consolidated statement of recognised income and expense and the relevant notes 1 to 16 which have been prepared in accordance with the EEV basis set out in the notes to the EEV financial information and which should be read in conjunction with the audited consolidated financial statements prepared on an International Financial Reporting Standards (IFRS) basis.

Respective responsibilities of Directors and auditors

The Directors are responsible for preparing the supplementary financial statements on the EEV basis in accordance with the EEV basis set out in notes 1 and 16. Our responsibilities as independent auditors in relation to the supplementary financial statements are as set out in our letter of engagement dated 21 July 2008, to report to you our opinion as to whether the supplementary financial statements have been properly prepared, in all material respects, in accordance with the EEV basis. We also report to you if we have not received all the information and explanations we require for our audit of the supplementary financial statements. This report, including the opinion, has been prepared for and only for the Company’s Directors as a body in accordance with our letter of engagement dated 21 July 2008, and for no other purpose. We do not, in giving this opinion, accept or assume responsibility for any other purpose or to any other person to whom this report is shown or in to whose hands it may come save where expressly agreed by our prior consent in writing.

Basis of opinion

We conducted our audit in accordance with International Standards on Auditing (UK and Ireland) issued by the Auditing Practices Board. Our audit included examination, on a test basis, of evidence relevant to the amounts and disclosures in the supplementary financial statements. This evidence included an assessment of the significant estimates and judgments made by the Directors in the preparation of the supplementary financial statements, and of whether the accounting policies are appropriate to the Group’s circumstances, consistently applied and adequately disclosed.

We planned and performed our audit so as to obtain all the information and explanations which we considered necessary in order to provide us with sufficient evidence to give reasonable assurance that the supplementary financial statements are free from material misstatement, whether caused by fraud or other irregularity or error. In forming our opinion, we also evaluated the overall adequacy of the presentation of information in the supplementary financial statements.

Opinion

In our opinion, the supplementary financial statements for the year ended 31 December 2008 have been properly prepared in all material respects in accordance with the EEV basis set out on the notes to the EEV financial statements.

PricewaterhouseCoopers LLP

PricewaterhouseCoopers LLP
Chartered Accountants
Edinburgh
12 March 2009

  1. The maintenance and integrity of the Standard Life website is the responsibility of the Directors; the work carried out by the auditors does not involve consideration of these matters and, accordingly, the auditors accept no responsibility for any changes that may have occurred to the supplementary financial statements since they were initially presented on the website.
  2. Legislation in the United Kingdom governing the preparation and dissemination of financial statements may differ from legislation in other jurisdictions.

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Standard Life plc, registered in Scotland (SC286832), Standard Life House, 30 Lothian Road, Edinburgh EH1 2DH. Standard Life group includes Standard Life plc and its subsidiaries. Telephone +44 (0)131 225 2552. Calls may be recorded/monitored and call charges may vary.

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