CAREER OPPORTUNITIES Northwestern Mutual*The Beer Financial Group NORTHWESTERN MUTUAL STATISTICS Mutual company ~ Operated for the benefit of our policyowners. Northwestern Mutual oversees more than 10 percent of the total U.S. direct life insurance market, based on the most recent data from A.M. Best. This reaffirms Northwestern Mutual’s number one rank in U.S. individual life insurance market since 2000. (A.M. Best 2010) Estimated at $4.9 billion, Northwestern Mutual’s 2011 dividend payout is the largest life insurance dividend payout in the industry — and the third largest in our 154-year history. Selling Power magazine’s November/December 2010 issue recognizes Northwestern Mutual as #1 in the financial services industry. For the eight straight year, Northwestern Mutual has been named to the list of the “50 Best Companies to Sell For Now” by Selling Power magazine. Northwestern Mutual was named as one of the 50 Best Places to Launch a Career in 2009. BusinessWeek highlighted the Network in its September 2009 feature issue. Best possible insurance financial strength ratings** Att A.M. Best (February 2011) AAA Fitch Ratings (January 2011) AAA Standard & Poor’s (March 2010) Aaa Moody’s Investors Service (March 2010) For 14 consecutive years, the Northwestern Mutual’s financial representative internship program has been ranked among America’s “Top Ten Internships” by the Internship Informants in the 2010 Vault Guide to Top Internships. As of 12/31/10 Northwestern Mutual has: * 3.3 million policyowners holding 5.2 million policies * $23 billion in total revenue * $180 billion in assets © More than $1.2 trillion worth of life insurance protection in force * $6.9 billion of benefits paid to policyowners or their beneficiaries At the end of 2010, Northwestern Mutual, through its subsidiaries Northwestern Mutual Investment Services, LLC and the Northwestern Mutual Wealth Management Company has more than: * $53.4 billion in client assets under management Northwestern Mutual! has been ranked among the Top 10 independent broker dealers, as measured by tocal revenues, by leading investment industry publications. Irvesmant Rovsor magazine, June 2009 ‘rancis Panning magane, ne 2009 Investment News, February 2080 Francia aor magazine, June 2009 “The policy dividend is reviewed annually by the company’s hoard of ruses. Future dividends are not guaranteed and arc subject to change. “NOTE: Northwestern Marval calculation of US. direct life insurance marketshare inclades new premium sles, renewal premiam and dividend additions inthe Unied States only. “Thi parey ratings ae subject change. "Rankings are based onthe combined assets and revenues of NMIS and NMWMC,tsa ‘The Beer Financial Group NETWORK OF SPECIALISTS CLU- Life sro Special % ‘MARIBEL BENITEZ ZISCH a TODD M. GINDY = ee ae Sa Macibel Benitez Zish, Karen Dry, Todd M. Gindy, Jeff Gilliam, Ryan C. Chromy, Tasks Peckin and Eric M Davis are Insurance Agents of NM and NLTC. Registered representatives and Investment Adviser Representatives of Northwestera Mutual lavestment Services, LLC, 21800 Oxnard St. Suite 800 Woodland Hill, CA 91367 (818) 887-9191. The products and servis referenced are offeed and sold by appropriately eensed entices and epreseatatves of such,‘The Beer Financial Group EXPERT GUIDANCE for a lifetime of financial needs ‘Trust Services Estate Analysis, Investment and Advisory Services ‘Comprehensive Financial Planning Employee and Executive Benefits Business Needs Analysis Retirement Solutions Education Funding Asset and Income Protection Personal Needs AnalysisThe Beer Financial Group NETWORK OF SOLUTIONS ae YF northwestern Mutual YP Northwestern Mutual" olay Sao peer epret See inion tance Fee Bae Fire Pong fe veces sun ‘Of Northwestern Mutual [a] BNSShents ‘eu oa Pag FINANCIAL NETWORK’ mation YF Northwestern Mutual YF Northwestern Long Term Care Investment Services..c Insurance Company" eoentenaaians no ‘an en “| 4 B MPLOYERSENEFIT™ oosseThe Beer Financial Group THE BEER FINANCIAL GROUP LEADERSHIP TEAM & ‘ MITCHELL CRAIG BEER NICOLE MIA KALIL JASON H SHAPIRO ANTHONY DUANE CONGDON ce, CLU, CAFC ar Managing Director Managing Director Managing Partner (Chief Development Officer ‘Encino, CA Bakersfield, CA| Woodland lls, CA Woodland Hls, CA gf Ai JASON M. KALIL MICHAEL W. PREST. MARIBEL 8. ZISCH ERIC M. DAVIS Tc eld Director Field Director cute Encino, CA Woodland Hills, CA Field Director District Director Woodland Hill, CA Woodland Hill, CA Ei x = ) SON D.LE YAN CASEY CHRISTOPHER. ARDOWN CLIFFORD M. MORTENSEN Calg Ot cr Caley Unt Decor Cie Da Dincer — Detereftaeesp Deals Weft Ch Gosli ti, Ck ost ic ‘tool ie Ca v A iY JEFFREY KRUMHOLZ, JONATHAN MOTTER Financial Reprecentative!Mentor Financial Representatve/Mentor Bakersfield, CA DAVID SCHREMPF Financial RapresentaivelMentor Woodland Hills, CA Encino, CA‘The Beer Financial Group THE BEER FINANCIAL GROUP MISSION STATEMENT Doing What's Right For The People Who Put Their Trust In Us The mission of Northwestern Mutual Financial Network is to develop enduring relationships with clients by providing expert guidance for a lifetime of financial security. With the help of a network of specialists, financial representatives provide innovative solutions using world class insurance products and investments. The Northwestern Mutual ‘Way The mission of Northwestern Mutual has been less to be large than to be safe; its aim is to rank first in benefits to policy owners rather than first in size. Valuing quality above quantity it has preferred to secure its business under certain salutary restrictions and limitations rather than to write a much larger business at the sacrifice of those valuable points which have made Northwestern Mutual pre eminently the policy owners company. The Beer Financial Group's Mission and Values Impacting lives today and for future generations. We believe we can achieve this through our values: Integrity, Personal Responsibility, Courage and Growth CORE VALUES Integrity Personal Responsibility Courage GrowthThe Beer Financial Group THE SALES CYCLE TELEPHONING APPROACH PROSPECTING 2§ales Cycle FACTFINDING FOLLOW-THROUGH PREPARATION CLOSING‘The Beer Financial Group MUTUALFIT FIRST INTERVIEW Conduct an Initial Fact-Pinding Interview Discuss the Company and the Career ‘Answer the Candidate's Questions Assign Appropriate Profiles SECOND INTERVIEW Conduct an In-Depth Fact-Finding Interview Discuss Training & Development Discuss Expectations for Success Introduce Discovering Your Markets THIRD INTERVIEW Review Market Surveys Discuss Market Potential Discuss Compensation and Benefits Discuss Financial Feasibility‘The Beer Financial Group POTENTIAL CAREER OPTIONS Financial Representatives Success yields opportunity baa pe si eee gOS LEAD Betis Ceres Cine Wena a EThe Beer Financial Group THE BEER FINANCIAL GROUP COMMUNITY SERVICE Northwestern Mutual is committed to community service ~ positively affecting lives and providing communities with the means to build a bright future. At our network office, this commitment is evidenced through the following activities and contributions: Comfort Zone Camp VA Hospital Leukemia Lymphoma Society Alex's Lemonade Rotary International Camp del Corazon Big Brothers Big Sisters Special OlympicsThe Beer Financial Group OUR IDEAL CANDIDATE ENTREPRENEURIAL Organizes, operates and assumes the risk for a business venture. AMBITIOUS Pursues every opportunity for success with skill, enthusiasm and commitment. Constantly seeking ways to be more effective and successful. COMFORTABLE MEETING PEOPLE Comfortable in a variety of social and professional settings. Able to converse and relate to friends, colleagues and new acquaintances with ease. COACHABLE ‘Willing to listen, learn and take advice from individuals who offer valuable experience and insight. DESIRES FINANCIAL SUCCESS Not afraid to work hard and take risks to achieve financial success. Willing to accept responsibility for personal successes and failures‘The Beer Financial Group NETWORK OFFICE TOP PRODUCERS 2011 financial representative gross revenue data Oe S$ OP ecm = S CC! S$ 2011 financial representatives with one to four years experience ‘The gross revenue data inclades 2011: Northwestern Mutual commission and fes, network expense allowances, NMIS commissions, SEBS commision I dos not include brokerage revenue Eau from sales ouside ofthe neework. This data does not recognize basiess expenses. The average STEN business expense ratio for producers of Norchwerten Mute i approximately 1038 revenue, based on 2007 financial data, Production emounce wil vary by representative. The revenues shown above display the posencal ofthe career and shal in no way be construed as concractual obligations by The Northwestern Mutual Life Insurance Company,oreo ‘Northwestern Mutual Financial Network (NMEN) is the marketing name forthe sales and distribution arm of The Northwestern Mutual Life Insurance Company and its subsidiacies. The products and services referenced are offered and sold only by appropriately appointed and licensed entities and Network Representatives. Network representatives might noe represent all entities shown or provide all the services discussed. Not all products and services are available in all tates. The Northwestern Mutual Life Insurance Company, Milwaukee, ‘WI (NM) (life insurance, disability income insurance and annuities) is neither a registered broker-dealer nor a registered investment adviser. Al securities are offered through Northwestern Mutual Investment Services LLC, (NMIS}, 1-866-664-7737. Member FINRA and SIPC, 1 subsidiary of NM. Long-term care insurance is offered through Northwestern Long Term Care Insurance Company Milwaukee, WI (NLTO),a subsidiacy of NM. Russell Investments isa subsidiary of NM. Strategic Employee Benefit Services is a nationwide marketing program providing employee benefit services exclusively through NMFN. Northwestern Mutual Wealth Management Company®, Milwaukee, WI (WMC) subsidiary of NM, isa limited purpose federal savings bank that provides nancial planning, investment ‘management, and trust services. WMC is not a broker-dealer or insurance company and does not offer insurance products or brokerage services. Wealth Management Advisors are Representatives of WMC. Estate Strategies Group isa division of WMC.