EQUITY GROWTH & INCOME ACCOUNT

Following is a summary of information about the Sentry Equity Growth & Income Account. Investors are advised to learn key data about an investment prior to making any investment decision.

Objective

The objective of the Equity Growth & Income Account is to seek high current dividend income and long-term capital appreciation. It is invested solely in the T. Rowe Price Equity Income Fund ®..

Investor Profile

The Equity Growth & Income Account may be suitable for investors with a long-term investment horizon who are seeking both current income and growth of principal through dividend paying common stocks. Individuals must be willing and able to accept considerable changes in unit price both in the short and long term.

Investment Strategy

The T. Rowe Price Equity Income Fund invests at least 65% of assets in common stocks of well-established companies paying above average dividends. In evaluating a security, the advisor considers the dividend yield, prospects for earnings and a company's underlying value. Fixed income securities may be owned to enhance income. Up to 25% of assets may be invested in foreign securities.

Investment Considerations

The Equity Growth & Income Account is an actively managed, Growth & Income option that can be utilized as a stand-alone investment or in conjunction with other Accounts. More aggressive investors can use the Equity Growth & Income Account with Growth Accounts while more conservative investors can combine it with either other Growth & Income or Income Accounts.

PORTFOLIO DATA

Asset Allocation (as of 12-31-2009)     Common Stocks 94.70% Reserves 3.80% Bonds 1.00% Convertibles 0.60%   Key Facts (as of 12-31-2009)     Number of Holdings 121 Price/Earnings Ratio (12 month forward) 15.40x Turnover Rate % (12 Month) 13.50 Beta (5 year) vs. Russell 1000 Value 1.05   Top Ten Stock Holdings (as of 12-31-2009) Concentration   Range   JPMorgan Chase & Co. 0 %     Chevron Corp. 0 %     Exxon Mobil Corp. 0 %     General Electric Co. 0 %     American Express 0 %     Bank of America Corp. 0 %     AT&T 0 %     Royal Dutch Shell 0 %     Wells Fargo & Co. 0 %     3M Co. 0 %     Top Ten Equals 22.6% of Portfolio   Top Sectors (as of 12-31-2009)       Financials 20.00 % Consumer Discretionary 15.30 % Energy 13.50 % Industrials and Business Services 13.30 % Utilities 7.30 % Information Technology 6.40 % Materials 6.40 % Health Care 5.30 % Telecommunication Services 4.30 % Consumer Staples 3.50 % Total % of Portfolio 95.30 % T. Rowe Price Equity Income Fund* Average Annual Returns Annual Total Returns (as of 02-28-2010) (as of 12-31)           1 Month 2.65%     3 Months 1.55%     YTD (0.33)%     1 year 61.75%     3 years (6.08)%     5 years 0.54%     10 years 5.51%                                     1994       4.53%     1995       33.35%     1996       20.40%     1997       28.82%     1998       9.23%     1999       3.82%     2000       13.12%     2001       1.64%     2002       (13.04)%     2003       25.78%     2004       15.05%     2005       4.26%     2006       19.14%     2007       3.30%     2008       (35.75)%     2009       25.62%