Business Overview

Joshua MeltzerMarch, 2010

Our Core Purpose

Our purpose is to enhance the financial well-beingof all people.

This single focus inspires customer focused behavior in ourworkplace and leads to more successful outcomes for our clients.

Our Core Values

Integrity Do what you promiseBe honest and genuineWork to your potentialThink like the customer

ExpertiseExceed customer expectationsCommit to continuous learning and practiceComplacency is unacceptable“Good enough” never isMake a difference every day

InnovationBe a pioneer, do not follow the competitionDare to lead changeSwim upstream, buck conventional wisdomView client problems as opportunities

Uniquely Organized

Our Family of Businesses:Sentinel Benefits Group, Inc.Sentinel Insurance Agency, Inc.Sentinel Pension Advisors, Inc.Sentinel Securities, Inc.

• Wealth Mgt• Financial

Planning

Administration & Consulting• Retirement Plans• Actuarial• Flexible SpendingAccounts

Investment Management• Independent Advice• Personal BrokerageAccounts

• Individual RetirementAccounts

• 529 Plans

Insurance Services• Group Insurance• Personal Insurance

• COBRA• Form 5500

Co-Fiduciary

Services

Client

Why Sentinel is a great choice

Completely independent

We have no proprietary insurance or investment products.

Very capable partner

Sentinel Benefits is consistently ranked among the largest employee benefits firms in Boston. We were ranked number 3 in 2008.1

Expertise

Employ 140 Professionals, Serve 4,000 clients

300 insurance clients representing over $200 million in premiums

Process

Sentinel has received an unqualified opinion on its SAS-70. Level II audits for 4 years consecutively.

1 Boston Business Journal, February, 2009

Why Sentinel is a great choice

LeadershipSentinel sits on the Board of the MA Association of Health Underwriters (3 Years), Blue Cross Blue Shield of MA Large Group Broker Advisory Council (7 years), Harvard Pilgrim Healthcare Broker Advisory Council (3 years) and Evolution Benefits (2 years)

Sentinel is a Founding member of CIKR (Council for Independent 401(k) Record keepers), the only association in the U.S for independentrecord keepers.

Sentinel has the highest number of certified ASPPA (American Society of Pension Professionals & Actuaries) in Massachusetts and we are a National Board Member.

Our President and CEO has personally educated hundreds of the leading TPAs nationwide on fiduciary best practices and model office management.