This document summarizes the Northwestern Mutual Financial Network internship program. It notes that the program has trained over 25,000 interns since 1967 and that 1 in 3 eligible interns become full-time representatives. The internship focuses on personal and professional growth through business experience, networking skills development, and potential licensing. Interns can earn up to $2,000 per period through commissions in addition to valuable training and experience.

1. 10TopReasonsRidgefield Financial GroupThe Northwestern Mutual Life Insurance Company-Milwaukee, WI

2. Northwestern MutualFinancial NetworkNorthwestern Mutual Financial Network is the marketing name for the sale and distribution arm of The Northwestern Mutual Life Insurance Company, Milwaukee, WI (Northwestern Mutual) and its subsidiaries and affiliates. All financial representatives and college interns are independent contractors, and are not employees of Northwestern Mutual. All financial representatives and college interns are compensated on a commission basis, and do not receive salary or wages.

3. 1One of “America’sTop 10 Internships”Vault Guide to Internships, 2009 editionAcademy of Television Arts & Sciences Apple, Inc.Citi Markets & BankingGoogle, Inc.INROADSMorris ArboretumNational Institutes of HealthNorthwestern Mutual Financial NetworkPricewaterhouse CoopersXM Radio

4. The Most Sought After College Experience In Fairfield CountyThe ambition of the Northwestern Mutual Internship program has been less to sell product than to develop people. Valuing quality above quantity our aim is to empower students for personal and professional growth.

5. Our Program’sHistory & Success2Facts More than 25,000 individuals have entered the program since its inception in 1967Northwestern Mutual contracted over 2,400 students in 20091 in 3 eligible interns becomes a full-time Financial Representative upon graduation32% of Field Management are former College Interns22% of the Top 100 Financial Representatives are former College InternsSource: Northwestern Mutual Life Insurance Company, Milwaukee-WI, 2007

6. The Bender Financial Group Core Values»Personal GrowthTo achieve and sustain lasting success one must continue to grow by taking personal, emotional and professional risks. Real confidence comes from acting in the face of fear and accomplishing goals in the face of obstacles.»Enduring RelationshipsRelationships are based in intimacy and mutual trust. We achieve this standard by listening, challenging, and sharing direct feedback and support.»Commitment to Self and OthersCommitments should be honored through mutual accountability and personal responsibility. The examples we set in our own lives are the strongest testimonials and bring out the best in ourselves and those around us.

7. The Advantage toYOU the StudentActual business experience for your resumeOpportunities to develop your networking and business relationship skillsFlexible work scheduleAssists with career selection processOpportunity for Investment Company/Variable Contracts Limited Representative Exam and Uniform Securities Agent State Law Exam “Head start” program for the Northwestern Mutual Financial Network career3

8. 4Our Internship = A NetworkshipEffectiveness of Job Search Tools*This information is based on a scale of 1 to 5, with 1 being least effective*Source: Challenger, Gray & Christmas, Inc. 2009

9. 5aNorthwestern Mutual Life Insurance Company as of 2009Assets: $155 BillionRanks 118 on the Fortune 500 ListBest possible insurance financial strength ratings from all four rating agencies:Standard & Poor’s AAAMoody’s AaaFitchRatings AAAA.M. Best Company A++. The Northwestern Mutual Life Insurance Company (Northwestern Mutual), the nation’s largest direct provider ofindividual life insurance, according to statistics compiled from A.M. Best data, has always received the bestpossible insurance financial strength ratings from Standard & Poor’s, Fitch Ratings, A.M. Best, and Moody’s.Third party ratings are subject to change.

10. 5bNorthwestern Mutual Life Insurance – FORTUNE®magazineIn 2009, Northwestern Mutual was recognized as one of the “World’s Most Admired Companies” survey. Northwestern Mutual led the life insurance industry in the following attributes:Financial soundness

11. Quality of products/services

12. Long-term investment

13. Quality of management

14. Use of corporate assets

15. People management

16. Social responsibility Northwestern Mutual achieved the longest record at number one in any industry in the history of FORTUNE® magazine’s “most admired” survey, after leading the life insurance industry for 25 years.March 16, 2009 issue, FORTUNE® magazine survey

17. The Products and Services6aThe products and services references are offered and sold only by appropriately appointed and licensed Financial Representatives.

18. The Products and Services6bThe products and services references are offered and sold only by appropriately appointed and licensed Financial Representatives.

19. The TrainingTraining PhasesPhase I - Fastrack BasicsPhase II- Fastrack College InternPhase III- Continuing Education & CoachingNorthwestern Mutual ranked 16th in Selling Power’s Best Service Companies to Sell For - Selling Power Magazine: “50 Best Companies to Sell For”, November/December 2009