2045 TARGET RETIREMENT ACCOUNT 

Following is a summary of information about the 2045 Target Retirement 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 to provide growth of capital and current income consistent with its current asset allocation. It is invested solely in the Sentry 2045 Target Retirement Portfolio.

Investor Profile

The 2045 Target Retirement Account may be suitable for investors planning to retire in or within a few years of 2045, and seeking a simple way to achieve a broadly diversified holding of stocks and fixed-income securities. Individuals must be willing and able to accept significant fluctuations in unit price and have a relatively long (more than five years) investment horizon.

Investment Strategy

The Sentry 2045 Target Retirement Portfolio invests in six different asset classes of exchange traded funds and one asset class of Treasury Inflation Protection Securities. The portfolio’s asset allocation will gradually become more conservative and modestly income-oriented every year. By 2045, the portfolio’s asset allocation will be similar to the Target Retirement Income Account.

The portfolio is periodically rebalanced to smooth out the highs and lows of investing in a single, volatile asset class like large cap stocks.

Investment Considerations

The 2045 Target Retirement Account is subject to several stock and bond market risks, any of which could cause an investor to lose money. However, given the current allocation between stocks and the less volatile asset class of bonds, the overall level of risk should be higher than those alternatives that invest the majority of their assets in bonds, but lower than that of alternatives investing entirely in stocks.

PORTFOLIO DATA

Asset Allocation (as of 12-31-2009)     Income 26.00% Corporate Bonds 12.50% Treasury Inflation Protection Securities (TIPS) 8.00% Real Estate Investment Trusts (REITS) 5.00% Cash 0.50% Growth 74.00% Large Cap U.S. Stocks 19.90% Mid-Cap U.S. Stocks 22.10% Small Cap U.S. Stocks 22.00% Foreign Stocks 10.00%     Sentry 2045 Target Retirement Portfolio* Average Annual Returns Annual Total Returns (as of 02-28-2010) (as of 12-31)           1 Month 2.78%     3 Months 3.43%     YTD 0.12%     1 year 50.37%     3 years (3.24)%     5 years 2.42%     10 years N/A                                     2003       29.53%     2004       15.36%     2005       7.56%     2006       13.48%     2007       3.75%     2008       (28.70)%     2009       24.81%