New Crediting Rates Take Effect November 22, 2012- Five Year Only Dear Sentinel Annuity Agents, Sentinel will experience a crediting rate change effective November 22, 2012. Please reference the attached rate sheet and the chart below to find out when new crediting rates take effect and how long an agent will have to submit applications at the current rate. You will also receive the agent communication so you are aware of what day it went out. Rates for the five-year product will drop by 15 basis points. Rates for the seven and ten-year products will remain unchanged. New Crediting Rates as of November 22, 2012 All States (Except Florida & Minnesota) 5-Year 7-Year 10-Year 2.95 % 3.20% 3.45% Florida Rates (Death Benefit Included in Rate) 5-Year 7-Year 10-Year 2.85 % 3.10 % 3.35% Minnesota Rates (No Market Value Adjustments Applied) 5-Year 7-Year 10-Year 2.65 % 2.90 % 2.95 % Nov. 22, 2012-Date When New Crediting Rates Take Effect Any applications signed on November 22, 2012 and later will receive the new crediting rates. Agents will need to update the Annuity Illustration Software through the Tools menu of that program. Nov. 21, 2012-Date Applications Must be Signed (to receive current rates) Applications must be signed by November 21, 2012 or before to receive the current crediting rates. Nov. 30, 2012-Date Application Must be Received in Home Office (to receive current rates) Applications signed by November 21, 2012 or earlier must be received in the Home Office by November 30, 2012 to receive the current crediting rates. Jan. 4, 2013-Date 45-Day Rate Lock Ends All transfers and exchanges for any application signed on November 21, 2012 or earlier must be completed by January 4, 2013 in order to receive the current crediting rates. We appreciate your continued support for the Personal Choice Annuity™ and Sentinel. We believe these rates are still very attractive and given the unique design of this product, will continue to offer some of the highest crediting rates available in the MYGA market. Please click here for the updated rate sheet. We look forward to our continued partnership. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ | 
