1079577--2/25/2010--STANCORP_FINANCIAL_GROUP

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{loan, real, estate}

{condition, economic, financial}

{loss, insurance, financial}

{operation, natural, condition}

{debt, indebtedness, cash}

{capital, credit, financial}

{operation, international, foreign}

{cost, contract, operation}

{regulation, government, change}

{financial, litigation, operation}

{competitive, industry, competition}

{cost, operation, labor}

Our reserves for future policy benefits and claims related to our current and future business, as well as reserves related to businesses we may acquire in the future, may prove to be inadequate Differences between actual claims experience and underwriting and reserving assumptions may adversely affect our financial results We are exposed to concentration risk on our group life insurance business Catastrophe losses from a disease pandemic could have an adverse effect on us Catastrophe losses from terrorism or other factors could have an adverse effect on us We may be exposed to disintermediation risk during periods of increasing interest rates Our profitability may be adversely affected by declining interest rates Our investment portfolio and derivative instruments are subject to risks of market value fluctuations, defaults, delinquencies and liquidity Our business is subject to significant competition A downgrade in our financial strength ratings may negatively affect our business Our profitability may be affected by changes in state and federal regulation Our business is subject to litigation risk The concentration of our investments in California may subject us to losses resulting from the economic downturn The concentration of our investments in the western region of the U.S. may subject us to losses resulting from certain natural catastrophes in this area We may be exposed to environmental liability from our commercial mortgage loan and real estate investments As a holding company, we depend on the ability of our subsidiaries to transfer funds to us in sufficient amounts to pay dividends to shareholders, make payments on debt securities and meet our other obligations Our ability to refinance debt and raise capital in future years depends not only on contributions from our subsidiaries but also on market conditions and availability of credit in the market Our business may be affected by employment and wage levels Our profitability may be adversely affected by declining equity markets Declining equity markets could affect the funding status of Company sponsored pension plans A U.S. recession or disruption in global financial markets could adversely affect us

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1079577--2/25/2010--STANCORP_FINANCIAL_GROUP_INC