For Advisor Use Only S olutions… 2004 WELCOME. For Advisor Use Only Why Equitable Life ® ? We...

For AdvisorUse Only

SSolutionsolutions… … 20042004WELCOMEWELCOME

For AdvisorUse Only

Why Equitable Life® ?

We service the exclusive interest of our policyholders

Our Focus is on building long-term values

We will remain an independent Canadian mutual company

For AdvisorUse Only

Why Equitable Life ?

We are growing strongly as a mutual company

Our mid-size is an important advantage

Embracing the future as a mutual mid-sized company

For AdvisorUse Only

&

For AdvisorUse Only

Why…

Equitable Life is a Mutual Company Largest Federally Licensed in Canada

Product need to be repositioned to meet current market needs

Traditional participating whole life products back “in style”

For AdvisorUse Only

How…

Spoke to Financial Advisors who were currently selling our product

Spoke to Financial Advisors who currently were selling someone else’s product

For AdvisorUse Only

Equimax Enhanced

Re-priced Focus on Higher Guaranteed Cash

Values

New Lifetime Enhancement Guarantee

Bereavement Counseling BenefitAdded Term, EDO and ROP riders to

Joint Plans

For AdvisorUse Only

Equimax 20-Pay

It’s New! Guaranteed Level Premiums for

20 YearsPricing focused on

“Guaranteed” Cash Values Total Cash Values

= Equimax premiums paid in year 20

For AdvisorUse Only

Equimax& Equimax 20-Pay

New CommissionIssue Ages Year 1 Years

2 - 5Years 6+

0 - 15 65% 5% 2%

16 – 75 (Life Pay)16 – 70 (20 Pay)

60% 5% 2%

An additional 5% FYC will be paid to Individual Advisors who reach an Equimax Production level of at least $50,000 NAFYC in a calendar year

For AdvisorUse Only

Equimax & Equimax 20-Pay

Equitable Sales Illustrations™ system New and easier to use

Includes an on screen summary

Illustrate Policy Loans Multiple Scenarios More reports

For AdvisorUse Only


For AdvisorUse Only


Marketing Materials Client Guide Financial Advisor’s Guide Brochures

Coming Soon!Dividend Handbook

For AdvisorUse Only

And we still have…

Unique Non Smoker Definition: Non Smoker: No Cigarettes or

marijuana. Pipe, cigar and cigarillo smokers are still considered NON SMOKERS*

* The traditional Non Smoker definition of no tobacco applies to the Select Term to 100 rider available with Equimax

For AdvisorUse Only

Features

Issue ages : Juvenile : 0 – 15 (Life Pay and 20 Pay) Adult: 16 – 75 (Life Pay)

16 – 70 (20-Pay)

Coverage Types Single life Joint First-to-Die (Adults only) Joint Last-to-Die Premiums to second death

(Adults only) Joint Last-to-Die Premiums to first death (Adults &

Life Pay only)

For AdvisorUse Only

Life Insurance Protection

Two choices for life insurance protection: One Year Renewable Term

Insurance Enhancement Plus Basic Permanent Protection

Basic Permanent Protection

For AdvisorUse Only

Dividend Options

5 Dividend Options Available with both Equimax and

Equimax 20-Pay

For AdvisorUse Only

Dividend Options

Paid in Cash or Cash to Reduce or Pay Premiums Note Premium mode must be annual

if your client elects to have dividends reduce or pay their Equimax premiums

For AdvisorUse Only

Dividends

On Deposit: Any dividends payable are

automatically deposited with Equitable Life and will earn a competitive interest rate.

Current 4.00%

For AdvisorUse Only

Dividends

Purchase Units in the Common Stock Segregated Fund Unique Dividend Option! Annual dividends are used to purchase

units in Equitable Life’s Common Stock Segregated Fund (also known as the Equity Dividend Option)

Low MER

For AdvisorUse Only

Dividends

Enhanced Protection dividends purchase a combination of

one-year term insurance and paid up additions

For AdvisorUse Only

Enhanced Protection

Enhancement Guarantees Choice of two guarantees:

10 year guarantee Lifetime guarantee

For AdvisorUse Only

Premiums

Equimax Life Pay Required premiums payable for the

Equimax plan are guaranteed and payable for life of the policy

For AdvisorUse Only

Premiums

Equimax 20-Pay Required premiums payable for the

Equimax 20-Pay plan are guaranteed and payable for 20 years.

For AdvisorUse Only

Excelerator Deposit Option

Available with Dividend Option 3—Paid Up Additions or Dividend Option 9—Enhanced Protection

For AdvisorUse Only


This diagram illustrates how the death benefit begins to grow with the Excelerator Deposit Option

For AdvisorUse Only


This diagram illustrates at which point the death benefit begins to grow with the Excelerator Deposit Option

For AdvisorUse Only

Riders and Benefits

Rider or BenefitEquimax Life Pay

Equimax 20-Pay

Return of Premium SL, JF, JL N/A

Return of EDO

Disability Waiver of Premium

SL, JF, JL

SL

SL, JF, JL

SL

For AdvisorUse Only

Riders and Benefits


Equimax 20-Pay

Applicants Disability Waiver of Premium

SL SL

Insured Child Waiver

AADB

SL

SL

N/A

N/A

For AdvisorUse Only

Riders and Benefits


Equimax 20-Pay

Guaranteed Insurability SL SL

Business GIO

Flexible GIO

SL

SL

SL

SL

For AdvisorUse Only

Riders and Benefits


Equimax 20-Pay

10 YRCT SL, JF, JL SL, JF, JL

20 YRCT

Select Term to 100

SL, JF, JL

SL, JF, JL

SL, JF, JL

SL, JF, JL

For AdvisorUse Only

Male 40 NS $250,000

Equimax Empire Manulife

Premium $2,037 $1,944 $2,093Year 20 $30,727 $19157 $27,829Age 65 $39,182 $26,820 $35,169Age 85 $68,364 $62,740 $59,022

Year 20 $50,126 $35,535 $54,787Age 65 $73,605 $54,366 $86,639Age 85 $258,321 $193,74

4$386,78

7Age 65 $250,000 $250,00

0$250,00

0Age 85 $341,667 $275,61

1$532,72

8

Guaranteed Cash Value

Total Cash Value

Total Death Benefit

Based on version Envision 6.4 and Diamond View version 5.4

For AdvisorUse Only

Female 5… $35/month premium

Equimax 20-Pay Empire

Initial Death Benefit

$25, 427 $33,216

Year 20 $4,145 $1,827Age 55 $12,891 $8,005Age 65 $14,595 $11,991

Year 20 $7,652 $6,591Age 55 $65,602 $54,332Age65 $126,483 $93,433Age 65 $291,176 $255,232Age 85 $566,188 $332,491

Guaranteed Cash Value

Total Cash Value

Total Death Benefit

Based on version Envision 6.4

For AdvisorUse Only

Adding Up the Benefits

Two Guaranteed Premium Paying Periods

Guaranteed Death BenefitsGuaranteed Cash ValuesFive Dividend OptionsBereavement Counseling Benefit A Wide Variety of Riders and

Benefits

For AdvisorUse Only

Adding Up the Benefits

And Most Importantly….Equitable Life is a MUTUAL Life

Insurance Company

For AdvisorUse Only

2004 at a Glance

Reduced 10&20 YRCT policy fees in January and May to maintain competitiveness

Added 6 Portfolio Interest Options tracking the Franklin Templeton Quotential Program to Equation Generation® III in June

For AdvisorUse Only

2004 at a Glance

Launched Enhanced Equimax and Equimax 20 Pay November With increased commission!

Added all features and funds currently available with Personal Investment Portfolio to RRIF/LIF December

Introduced new RRSP and Segregated Fund Investment Loan Programs November/December

For AdvisorUse Only

2004 at a Glance

Introduced new RRSP and Segregated Fund Investment Loan Programs November/December

Introduced Segregated Portfolio Funds December (available January 10, 2005)

Introduced enhanced Segregated Fund Commission from January 1 – April 15, 2005

For AdvisorUse Only

Thank You

Season’s Greetings

For AdvisorUse Only

Disclaimers

1. Equitable Life® has made every effort to ensure the accuracy of this presentation. However, if the information presented here differs from that contained in any Equitable Life policy contract, the policy contract prevails in all cases. This presentation is intended for informational purposes only and is provided with the understanding that it does not render legal, accounting or other professional advice.

2. Equitable Life, Equitable Life of Canada, Equation Generation, Equimax, Equitable Sales Illustrations and design, Financial Solutions for Life, For Your Whole Life and the lighthouse design are all trademarks of The Equitable Life Insurance Company of Canada. Reproduction or redistribution of this presentation, in whole or in part, without permission from Equitable Life is forbidden.

3. © 2004 The Equitable Life Insurance Company of Canada. All rights reserved.

For AdvisorUse Only

THANK YOU

For AdvisorUse Only

RRSP 2005

What we heard last year…

Great Loan Program BUT…

My clients need a repayment term greater than one year for loans less than $14,500…

For AdvisorUse Only

RRSP 2005


My clients want to repay their Top-Up loan over 10 years…

For AdvisorUse Only

RRSP 2005


My clients want to borrow and contribute to both an Individual and a Spousal RRSP…

For AdvisorUse Only

RRSP 2005


Why can’t the RRSP deferral period extend the repayment term beyond one year…

For AdvisorUse Only

RRSP 2005


My clients want to take advantage of the Home Buyers Plan and the Lifelong Learning Plan…

For AdvisorUse Only

RRSP 2005

You asked….we listened!

AND…

For AdvisorUse Only

RRSP 2005

Equitable Life, in association with B2B Trust is pleased to bring you and

your clients a simple, yet flexible, fast and affordable RRSP loan program for 2005!

For AdvisorUse Only

RRSP 2005

Simple Yet Flexible Choose from three different RRSP Loan

options

Fast Instant Approval with EASE online

Affordable Competitive interest rates starting at Prime*

*Prime is based on the Laurentian Bank of Canada’s Prime Rate.

For AdvisorUse Only

RRSP 20053 Great B2B Trust RRSP Loan

OptionsEarly Bird Traditional Top-Up

Minimum $2,000 $2,000 $10,000

Maximum $15,500 $15,500 $50,000

Variable Interest Rate

Prime

Dec 1st 2004 to Jan 31, 2005

1 Year

Prime

2 Years

Prime + 0.5%

1-5 Years

Prime +0.75%

6-10 Years

Prime +1.5%

Amortization 1-2 Years 1-2 Years 1-10 Years

*Prime is based on the Laurentian Bank of Canada’s Prime Rate.

For AdvisorUse Only

RRSP 2005

The B2B Trust Advantage

Repayment Terms up to 10 yearsFund 2 RRSPs with one loanDeferral up to 180 daysRRSPs are eligible for Homebuyers

Withdrawal and Lifelong Learning Plan

For AdvisorUse Only

RRSP 2005

The B2B Trust Advantage

Higher loan amountsRRSP ConsolidationsOpen loansCompetitive interest rates

For AdvisorUse Only

RRSP 2005

Make this year’s RRSP contribution with EASE

Online decisions within seconds for all Early Bird and Traditional RRSP Loans up to $15,500 when submitted on EASE

For AdvisorUse Only

RRSP 2005

EASE is B2B Trust’s Electronic Application Submission Entry

Online RRSP loan applications Loan decisions within seconds All relevant loan info will be displayed on

your screen Track and monitor all your clients loans

For AdvisorUse Only

RRSP 2005

Pre-approvals For Early Bird and Traditional Loans Complete Pre-approval form with your

client Fax request to B2B Trust Upon approval, send original RRSP

Loan app, pre-approval form and required documentation to Equitable Life

For AdvisorUse Only

RRSP 2005

On or before March 1, 2005 the maximum your client can contribute for a deduction

on his or her 2004 income taxes is: 18% of his or her 2003 earned income to a

maximum of $15,500, plus any unused contribution room carried

forward Pension adjustments must be deducted from

this amount

For AdvisorUse Only

RRSP 2005

Canada Revenue Agency has created greater incentives to encourage Canadians to save for retirement with higher RRSP contribution limits

Year Annual Limit (RPP Non Contributors)

2003 The lesser of 18% earned income or $14,500




2007 & beyond Indexed to average growth in wages

For AdvisorUse Only

RRSP 2005

In order for your clients to receive a tax receipt for the 2004 income tax year, the contribution deadline is…

March 1, 2005March 1, 2005

Note: Contributions must be received at Equitable Life’s Head Office no later than

Friday March 4, 2005!

For AdvisorUse Only

RRSP 2005

Are your goals playing hard to get?

This year you can earn more with Equitable Life!

For AdvisorUse Only

RRSP 2005

Are your goals playing hard to get?

This year you can earn more with Equitable Life!

For AdvisorUse Only

RRSP 2005

All Personal Investment Portfolio deposits your clients make to the

Segregated Funds between

January 1st, 2005 and April 15, 2005 will provide you with an increased

total FYC of 3.8%

AND…

For AdvisorUse Only

RRSP 2005

Once you reach $1,000 NAFYC on your Personal Investment Portfolio Segregated

Fund sales you will earn a total of

4.00% FYC!4.00% FYC!AND…

*Enhanced commission applies only to deposits made between January 1st and April 15, 2005.

For AdvisorUse Only

RRSP 2005

The really good news…as long as you reach $1,000 NAFYC by April 15th, 2005 on your Personal Investment

Portfolio Segregated Fund sales, you will earn a total FYC of 4.00% on all of those deposits made retroactively

from January 1st, 2005.*

Any additional commission earned during this period will be paid to you in a lump sum in May 2005.

For AdvisorUse Only

RRSP 2005

And what we also heard was…


I need a leveraged Segregated Fund Investment Loan Program with Interest Only repayments…

For AdvisorUse Only

RRSP 2005


I need a 100% Investment Loan program for my clients…and

NO MARGIN CALL

For AdvisorUse Only

RRSP 2005

With B2B Trust…our answer is YES!

For AdvisorUse Only

RRSP 2005

RRSP/Segregated Fund Investment

Loan Programs

For AdvisorUse Only

RRSP 2005B2B TRUST AT A GLANCE

Mission: B2B Trust is the first Canadian business to business wholesaler of banking and financial services.

B2B Trust provides financial Intermediaries with unique business-to-business advantages and quality financial products and services, needed to better serve their clients.

For AdvisorUse Only

RRSP 2005Are your clients’ retirement goals playing

hard to get?

An RRSP Loan with the B2B Trust Advantage can help!

For AdvisorUse Only

RRSP 2005Are your clients’ retirement goals playing

hard to get?

B2B Trust & EASE

Make it easier for you to do

business during RRSP Season!

For AdvisorUse Only

RRSP 2005THE EASE WAY

Use the EASE (Electronic Application Submission Entry) online application with a client and receive adjudication within seconds. It’s portable, fast and easy to use.

•To log on go to EQUINET®

For AdvisorUse Only


After you log on to EQUINET Select RRSP Loans

For AdvisorUse Only


You will need to Validate your Agent Codeonly onceThis populatesEASE with your information

For AdvisorUse Only


Simple click on

For AdvisorUse Only

RRSP 2005My Profile My Profile Updating & Confirming User Profiles

My Profile screen contains the Advisor’s personal information. Once this information is entered on initial

sign in, this information is stored. Complete the

information and select Update to proceed.

Complete the information and

select Update to proceed.

For AdvisorUse Only

RRSP 2005Loan Calculator Loan Calculator The loan calculator assists in determining

minimum monthly loan payments.

For AdvisorUse Only

RRSP 2005Advisor Tab Advisor Tab

For AdvisorUse Only

RRSP 2005Completing Borrower Tab Completing Borrower Tab

Contains the primary applicant’s personal information for use in making credit decisions. Mandatory information is indicated by red asterisks (*).

Total Debt Service Ratio

Monthly Loan

Payment

For AdvisorUse Only

RRSP 2005Saving A Loan Saving A Loan

Incomplete applications can be saved if

additional info is required.

Once an application

has been saved:

A unique loan application number is automatically issued.

• A message at the bottom of the screen will indicate that the application has been successfully saved.

• Applications must be saved, then completed prior to submitting

For AdvisorUse Only

RRSP 2005Completing and Printing the Loan Application

Completing and Printing the Loan Application

Ensure mandatory fields are completed based on the error message received. Use the back button on your browser to make necessary corrections

For AdvisorUse Only

RRSP 2005Printing The ApplicationPrinting The Application

Select the PRINT button located at the bottom of the application.

The printed contract with original signature of the applicant is a requirement for funding of all approved loans.

For AdvisorUse Only

RRSP 2005History TabHistory Tab

Available once an application is saved. Lists events relating to the status of the

application. Each entry contains: first and last name of the; the user who modified the loan application; the initial loan status; the new loan status; the timestamp.

For AdvisorUse Only

RRSP 2005Loan Status Loan Status

Loan status folders are located on the tree menu.

SAVED: These applications have been partially completed and have not been submitted.

COMPLETED: All applications completed but not yet submitted.

SUBMITTED: These applications have been completed and sent for approval.

UNDER REVIEW: Displays all applications Under Review. These applications have been accepted for evaluation and are being reviewed.

ACCEPTED: These applications have been received at B2B and will be reviewed.

For AdvisorUse Only

RRSP 2005Loan StatusLoan Status

APPROVED: Has satisfied the underwriting criteria (subject to receipt and verification of all required documentation).

DECLINED: Has not satisfied the underwriting criteria.

FUNDED: All required documents (originals) have been received. The loan has been opened.

CANCELLED: Has been withdrawn on behalf of the applicant by the user.

PENDING: Has not yet satisfied the underwriting criteria (remains subject to receipt and verification of all required documentation).

For AdvisorUse Only

RRSP 2005ReportingReporting

Summary Report This report summarizes all applications for a time

period according to status and is sorted by type. Includes total number of application(s), total dollar value applied for and total dollar value approved.

For AdvisorUse Only

RRSP 2005The Paper WayThe Paper Way

Access Forms and Marketing Material on:EQUINETOr The Equitable Sales Illustrations ™ System

Simply fill out the paper application and submitto Equitable Life of Canada with the required supporting documentation!

For AdvisorUse Only

RRSP 2005Client ServicesClient Services

•EASE Support line: 1.877.TRY.EASE (1.877.879.3273)

•Other questions: Call B2B Trust Client Services at 1.800.263.8349

For AdvisorUse Only

RRSP 2005Looking to IncreaseLooking to Increase

Your Clients Your Clients Non Registered Assets?Non Registered Assets?

Now you can…

For AdvisorUse Only

RRSP 2005

1 for 1 1 for 1 LoanLoan

For AdvisorUse Only

RRSP 20051 FOR 1 LOAN1 FOR 1 LOAN

For each dollar provided by the client, we will lend one dollar.($1 for $1)

Loan amountMinimum: $10,000*Maximum: $250,000

* Loans in excess of $250,000 require additional documentation.

For AdvisorUse Only

RRSP 20051 FOR 1 LOAN1 FOR 1 LOAN(WITH MARGIN CALL)

Interest Rates

$10,000 - $99,999Prime +

0.50%

$100,000 - $250,000

Prime + 0.25%

For AdvisorUse Only

RRSP 2005

2 for 1 2 for 1 LoanLoan

For AdvisorUse Only

RRSP 20052 FOR 1 LOAN2 FOR 1 LOAN

For each dollar provided by the client, we will lend up to two dollars ($2 for $1)

Loan amountMinimum: $10,000Maximum: $250,000*


For AdvisorUse Only

RRSP 20052 FOR 1 LOAN 2 FOR 1 LOAN (MARGIN CALL OPTION)

Interest Rates:

$10,000 - $99,999Prime + 0.75%

$100,000 - $250,000Prime + 0.50%

For AdvisorUse Only

RRSP 20052 FOR 1 LOAN 2 FOR 1 LOAN (MARGIN CALL

OPTION)

Monthly payments: Interest only

Margin warning: 75%

Margin call: 85%

For AdvisorUse Only

RRSP 2005

2 for 1 Loan2 for 1 Loan NO margin Interest Only

For AdvisorUse Only

RRSP 20052 FOR 1 LOAN2 FOR 1 LOAN( NO MARGIN CALL)

Interest Rates:

$10,000 - $99,999

Prime + 1.00%

$100,000 - $250,000

Prime + 0.75%

For AdvisorUse Only

RRSP 20052 FOR 1 LOAN2 FOR 1 LOAN(NO MARGIN CALL)

Monthly Payments: Interest Only

Redemptions will be considered when the loan-to-value ratio is less than 60%.

For AdvisorUse Only

RRSP 2005

100% Loan100% Loan

For AdvisorUse Only

RRSP 2005100% LOAN100% LOAN

Features:

• No downpayment required

• Loan amount–Minimum: $10,000–Maximum: $250,000


For AdvisorUse Only

RRSP 2005100% LOAN 100% LOAN (No Margin Call)

Monthly payments: Principal + Interest

Calculation: Loan amount x interest factor

Redemptions will be considered when the loan-to-value ratio is less than 90%.

Maximum amortization up to 20 years

For AdvisorUse Only

RRSP 2005100% LOAN 100% LOAN (No Margin Call)

Interest Rates:

$10,000 - $24,999Prime + 1.25%

$25,000 - $250,000Prime + 1.00%

For AdvisorUse Only

RRSP 2005

100% Accelerator Loan100% Accelerator Loan

For AdvisorUse Only

RRSP 2005100% Accelerator Loan100% Accelerator Loan

Minimum: $10,000.00

Maximum: $50,000.00

Amounts over $50K will not be offered at this time.

For AdvisorUse Only

RRSP 2005Interest RatesInterest Rates

B2B Trust Prime + 1.75%

Prime + 1.25%

For AdvisorUse Only

RRSP 2005Loan To Value Ratio (LTV)Loan To Value Ratio (LTV)

No Margin Call is a feature of the product, however,if the LTV ratio rises to 200% or higher, then the client will be asked to make principal and interest repayments based upon a 20 year amortization.

For AdvisorUse Only

RRSP 2005UnderwritingUnderwriting

Original paperwork must be received within 10 business days, otherwise the holdings will be sold. Any and all DSC charges or losses will charged to the client.

To reinstate the loan, a new application (originals only, no fax copies will be allowed) with client’s signature will be required.

Moving forward, only original applications from the financial advisor involved will be accepted.

For AdvisorUse Only

RRSP 2005UnderwritingUnderwriting

Borrowers must meet B2B Trust’s underwriting standards in order to qualify:

Net worth: Client’s must have a positive verifiable net worth.

Capacity: The debt servicing capacity (TDSR) of the client will be based on principal and interest payment.

Credit history: All obligations must be up to date and paid as agreed.

For AdvisorUse Only

RRSP 2005Processing StandardsProcessing Standards

Turnaround time for approvals and funding will be within 1 business day of receipt of faxed application

For AdvisorUse Only

RRSP 2005

THANK YOUTHANK YOU

For AdvisorUse Only

PlusPlus

For AdvisorUse Only

Equation Generation® III

Effective June 14, 2004 we are pleased to announce the addition of… 6 Portfolio Interest Options

to all new and in-force Equation Generation III plans

For AdvisorUse Only

Portfolio Interest Options

Equitable Life® and Franklin Templeton Investments

The Universal Life Product you need with the

Portfolio Interest Options you want!

For AdvisorUse Only


Why Franklin Templeton Investments?

Proven expertise Franklin Templeton has 50 years

experience More than 20 years experience for Franklin

Templeton Private Client Group.Sophisticated modeling techniques

For AdvisorUse Only


Exposure to world class investment managers and unmatched diversification

Templeton – ValueFranklin – GrowthBissett – Growth at a reasonable priceMutual Series – Deep value

For AdvisorUse Only


With Equation Generation III…

Your clients do not need the $25,000 initial investment to

have access to these Portfolios

For AdvisorUse Only


Investing in the Portfolio Interest Options provides your clients with exposure to investments that diversify by: Asset Class Geographic Region Market Capitalization Investment Style

For AdvisorUse Only


Linked Interest Options offer: Tax-deferred earnings (provided all government

exempt testing guidelines are met) Performance potential reflecting domestic or

global equity and/or fixed income markets. Choices

For AdvisorUse Only


Mirror the performance of selected Portfolios of mutual funds (Currently Quotential™ Program Portfolios offered by Franklin Templeton Investments)

For AdvisorUse Only


20 Linked Interest Options allows for greater diversification

For AdvisorUse Only


Important With the Portfolio Interest Options your clients are not

investing directly in the Franklin Templeton Portfolio Interest is either credited or debited based on the net

rate of return of the Franklin Templeton Portfolio being tracked

It is possible to receive “POSITIVE” or “NEGATIVE” interest

For AdvisorUse Only


Diversified Income Portfolio Interest OptionDiversified Income Portfolio Interest Option (currently tracking the Franklin Templeton Diversified Income Portfolio)

Balanced Income Portfolio Interest OptionBalanced Income Portfolio Interest Option (currently tracking the Franklin Templeton Balanced Income Portfolio)

Balanced Growth Portfolio Interest OptionBalanced Growth Portfolio Interest Option (currently tracking the Franklin Templeton Balanced Growth Portfolio)

For AdvisorUse Only


Diversified Income Portfolio Interest Option

Offers exposure to a diversified portfolio of fixed income investments along with a 28.5% weighting in equities

Appeals to the “Conservative” investor

For AdvisorUse Only


Balanced Income Portfolio Interest Option

Offers exposure to a balanced portfolio of income and equities with a bias towards income producing investments

Appeals to the “Moderate Conservative” investor

For AdvisorUse Only


Balanced Growth Portfolio Interest Option

Offers exposure to a balanced portfolio of equities and income with the bias towards capital appreciation

Appeals to the “Balanced” investor

For AdvisorUse Only


Growth Portfolio Interest Option Offers policyholders exposure to a portfolio

with an 80% equity weighting and a 20% bond/income weighting

Appeals to the investor seeking “Moderate Growth”

For AdvisorUse Only


Global Growth Portfolio Interest Option Offers policyholders exposure to a well

diversified mix of global equities Appeals to the investor seeking “Growth”

For AdvisorUse Only


Maximum Growth Portfolio Interest Option Offers policyholders exposure to a well

diversified mix of both domestic and global equities

Appeals to the investor seeking “Aggressive Growth”

For AdvisorUse Only


Linked Interest Option Administration Charges: Currently 2.45% per year, debited monthly Guaranteed not to exceed 2.75% per year,

debited monthly

For AdvisorUse Only

Linked Interest Options

Equation Generation III Investor Profiler: Reason for purchasing the insurance Time horizon Tolerance to risk Financial goals

For AdvisorUse Only


For AdvisorUse Only


Six Risk Tolerance Profile categoriesDetermine your client’s appropriate

savings mix

Select from Equation Generation III Savings and Investment Options

OR

Choose from any of the six Portfolio Interest Options

For AdvisorUse Only


Performance Fund Interest Options

Performance Fund Interest Option

Currently Tracking

Global Templeton Growth Fund, Ltd

Canadian McLean Budden Balanced Growth Fund

Canadian Bond McLean Budden Fixed Income Fund

Global Fixed Income Mackenzie Sentinel Tactical Global Bond

Large Cap Cdn Equity Mackenzie Ivy Canadian Fund

Global Balanced Templeton Global Balanced Fund

Cdn Value Stock Mackenzie Cundill Canadian Security

For AdvisorUse Only


Index Interest Options

Index Interest Option Currently Tracking

Canadian Equity S&P/TSX 60 Total Return Index

American Equity S&P 500 Total Return Index

U.S. Technologies NASDAQ 100 Total Return Index

European DJ Euro STOXX 50 Total Return Index

Pacific Rim MSCI Pacific Total Return Index

World Equity MSCI World Total Return Index

U.S. Blue Chip Dow Jones Ind. Avg. Total Return Index

For AdvisorUse Only


Linked Interest Options are not mutual funds or indexes, your client is not acquiring units in a mutual fund or index. Your client is placing funds on deposit, earning interest, with the general funds of Equitable Life. Performance is not guaranteed. Your client could earn positive or negative interest depending on the performance of the mutual fund or index being tracked. The mutual fund or index being tracked may change at any time. A Linked Interest Option Administration charge will apply. Past performance does not guarantee future results. Investment results will vary.

For AdvisorUse Only


Key Benefits Tax-deferred*growth Equity-based returns without purchasing the securities Guaranteed Investment Bonus Incentive Bonus Availability of Creditor Protection (subject to certain

conditions) COMPCorp Protection (some restrictions apply)

* subject to limits as prescribed by the Income Tax Act (Canada)

For AdvisorUse Only

Franklin Templeton Investments

Presentation

For AdvisorUse Only

Equation Generation III

Designed for your Life®!

4 Death Benefit options 3 COI types 20 Linked Interest Options Guaranteed Investment Bonus Incentive Bonus Calibrator feature Bereavement Counseling Benefit Disability Benefit Disbursement Many additional riders and benefits

For AdvisorUse Only

Equitable Life gives you enhanced

potential with…

For AdvisorUse Only

PlusPlus

For AdvisorUse Only

Universal Life

Great News Equitable Life’s Universal Life plans are

PARTICIPATING

For AdvisorUse Only

Universal Life

More Great NewsThe Board of Directors of Equitable Life

has approved that a dividend be distributed on all qualifying Universal Life policies beginning with the dividend

scale effective July 1, 2005

For AdvisorUse Only

Renewable and Convertible Term

May 1, 2004Reduced the initial

Policy Fees on our

10YRCT and 20YRCTProducts

For AdvisorUse Only

New Initial Policy Fees

10 YRCT and 20 YRCTNew Monthly Policy Fees

Band 1$100,000 - $249,000

Band 2$250,000 - $499,000

Band 3$500,000+

$4.00 $2.75 $2.00

New policy fee applies to the first renewal, at which time policy fees are $5.00 per month all bands

For AdvisorUse Only

New Initial Policy Fees

10 YRCT and 20 YRCTNew Annual Policy Fees

Band 1$100,000 - $249,000

Band 2$250,000 - $499,000

Band 3$500,000+

$45.00 $25.00 $25.00

New policy fee applies to the first renewal, at which time policy fees are $50.00 annually all bands

For AdvisorUse Only

Monthly Competitive Rankings

Issue Age $100,000 $250,000 $500,000

35 1 1 1

40 2 3 8

45 2 3 6

50 2 3 3

Male Non Smokers10YRCT

Source: LifeGuide June 2004 release

For AdvisorUse Only


Issue Age $100,000 $250,000 $500,000

34 1 2 1

37 2 2 1

41 2 3 1

49 2 3 1

Male Non Smoker10YRCT


For AdvisorUse Only


Issue Age $100,000 $250,000 $500,000

34 1 2 1

35 1 1 1

37 2 2 1

40 2 3 8

41 2 3 1

45 2 3 6

49 2 3 1

50 2 3 3

Male Non Smoker10YRCT


For AdvisorUse Only


Business Partners Ages

$250,000 $500,000 $1,000,000

MNS40/MNS43 1 1 1MNS51/MNS48 1 1 1FNS38/FNS40 1 1 1FNS32/MNS48 1 1 1

Joint First- to-Die10YRCT


For AdvisorUse Only

RECAP

6 new Portfolio Interest Options for Equation Generation III

Dividends for qualifying ULs with 2005 Dividend Scale

Reduced initial policy fees for 10YRCT and 20YRCT

For AdvisorUse Only

Questions?

For AdvisorUse Only

Equation Generation III

Equation Generation III Universal Life is not issued, sponsored, endorsed, sold or promoted by: Toronto Stock Exchange, Standard and Poor’s (The McGraw-Hill Companies Inc.), The Nasdaq Stock Market Inc., STOXX Limited, Dow Jones and Company Inc., MSCI, Morgan Stanley Capital International Inc., Franklin Templeton Growth Fund Ltd., Franklin Templeton Investments, McLean Budden Limited, or Mackenzie Financial Corporation. None of these entities make any representation or warranty, expressed or implied whatsoever regarding the advisability of selecting any Linked Interest Options, making any investment, or acquiring the Contract. As such, none of these entities have any association, liability, or responsibility with respect to the contract. S&P, S&P 500, TSX are trademarks of the McGraw-Hill Companies Inc.; Nasdaq 100 is a trademark of the NASDAQ Stock Market Inc., , DJ Euro STOXX and Dow Jones Industrial Average are trademarks of Dow Jones and Company, Limited; MSCI Pacific and MSCI World are trademarks Morgan Stanley Capital Investment Inc.

For AdvisorUse Only

THANK YOU!

Equitable Life® has made every effort to ensure the accuracy of this presentation. However, if the information presented here differs from that contained in any Equitable Life policy contract, the policy contract prevails in all cases. This presentation is intended for informational purposes only and is provided with the understanding that it does not render legal, accounting or other professional advice.

Equitable Life, Equitable Life of Canada and the lighthouse design, Equation Generation, Calibrator, Designed for your Life, and Equitable Sales Illustrations and design are all trademarks of The Equitable Life Insurance Company of Canada. Reproduction or redistribution of this presentation, in whole or in part, without permission from Equitable Life is forbidden.

© 2004 The Equitable Life Insurance Company of Canada. All rights reserved.

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