INTERNATIONAL GROWTH ETF ACCOUNT

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

Objective

The objective of this account is to seek investment results that correspond to the performance, before fees and expenses, of the Morgan Stanley Capital International Europe, Australasia, and the Far East (MSCI EAFE) Index, or a similar non-U.S., large cap stock index. It invests solely in the Sentry International Growth ETF Portfolio.

Investor Profile

The International Growth ETF Account may be suitable for investors with a very long-term investment horizon who are seeking long-term growth of capital by participating in the large capitalization sector of non-U.S. stock markets and who accept the risks associated with investing in common stocks of foreign companies and currency exchange risk. Individuals must be willing and able to accept substantial changes in unit price both in the short, long and very long term.

Investment Strategy

Sentry International Growth ETF Portfolio invests primarily in one or more exchange traded funds (ETFs) that seek investment results that correspond to the performance, before fees and expenses, of the MSCI EAFE Index or a similar non-U.S., large cap stock index. The portfolio manager employs a passive investment strategy. Cash may be held in the portfolio to efficiently accommodate purchases and redemptions.

Investment Considerations

The International Growth ETF Account takes a passive approach to investing in large non-U.S. companies and is appropriate for investors seeking a passive investment management approach to large, non-U.S. stocks for a portion of their retirement portfolio.

PORTFOLIO DATA

Asset Allocation (as of 06-30-2008)     iShares MSCI EAFE Index Fund 97.50% Cash 2.50%   Key Facts (as of 06-30-2008)     Price/Earnings Ratio 15.89x Price/Book Ratio 2.85x Beta (vs. S&P 500 as of 02/28/2007) 1.03   Top Ten Stock Holdings (as of 06-30-2008) Concentration   Range   BP PLC 0 %     HSBC Holdings 0 %     Nestle S.A. 0 %     Total SA 0 %     Vodaphone 0 %     Royal Dutch Shell PLC-Class A 0 %     Toyota Motor Corp 0 %     BHP Billiton LTD. 0 %     E.On AG 0 %     Banco Santander Central Hispano SA 0 %     Top Ten Equals 12.41% of Fund   Top Sectors (as of 06-30-2008)       Financials 25.08 % Industrials 12.32 % Materials 11.33 % Consumer Discretionary 10.20 % Energy 8.78 % Consumer Staples 7.94 % Health Care 6.16 % Utilities 5.88 % Telecommunication Services 5.67 % Information Technology 5.32 % Total % of Portfolio 98.68 % Sentry International Growth ETF Portfolio* Average Annual Returns Annual Total Returns (as of 08-31-2008) (as of 12-31)           1 Month (4.17)%     3 Months (15.52)%     YTD (17.58)%     1 year (5.70)%     3 years 4.29%     5 years N/A     10 years N/A                                     2006       19.91%     2007       8.15%