Pub. 1 2010 Issue 3

Keith A. Morgan is a P.L.L.C. Member of Arnett & Foster, P.L.L.C., Certified Public Ac- countants, in Charleston, West Virginia. A Certified Information System Auditor and Certified Information System Security Professional, Mr. Morgan has over thirty years experience in information technology audit and security services in multiple industries including financial institutions. ChrisJoseph isaP.L.L.C.MemberofArnett&Foster,P.L.L.C.,CertifiedPublicAccountants, in Charleston, West Virginia. A Certified Public Accountant and Certified Information SystemAuditor, Mr. Joseph has over twenty-five years experience in information technol- ogy audit and security services in the financial institutions industry. Mr. Morgan and Mr. Joseph can be contacted at 800-642-3601 or through email: keith. morgan@afnetwork.com or chris.joseph@afnetwork.com. Northwestern Mutual is one of the “World’s Most Admired” life insurance companies according to executives, directors and analysts responding to FORTUNE® magazine’s 2010 annual survey (March 22, 2010 issue). Northwestern Mutual continue to receive the b st possible insurance financial strength ratings from all four major ratings agencies. · A++ A. . Best (March 2010) · AAA Fitch Ratings (May 2010) · AAA Standard & Poor’s (March 2010) · Aaa Moody’s (March 2010) Melissa K. Oliverio, J.D. 121 Simpson Street Morgantown, WV 26501 (304) 292-3339 melissa.oliverio@nmfn.com Michael Oliverio, Financial Representative, is endorsed by the West Virginia Banker’s Association. The Northwestern Mutual Life Insurance Company, Milwaukee, WI (Northwestern Mutual). Individuals listed are Insurance Agents of Northwestern Mutual (life and disability insurance, annuities). Michael Angelo Oliverio II & John H Milne are Insurance Agents of Northwestern Mutual (life and disability insurance, annuities and Registered Representatives of Northwestern Mutual Investment Services, LLC (securities),a subsidiary of Northwestern Mutual, broker-dealer and member FINRA and SIPC. Third party ratings are subject to change. YOUR BANK’S PRODUCTS ARE OF THE HIGHEST QUALITY CAN YOU SAY THE SAME FOR YOUR BOLI? Michael A. Oliverio, II, MBA 121 Simpson Street Morgantown, WV 26501 (304) 292-3339 michael.oliverio@nmfn.com Financial Representatives BOLI products aren’t all the same and neither are the companies behind them. Northwestern Mutual has the quality BOLI products you need - backed by the strength and security that you require. John H. Milne, J.D., LL.M 3901Westerre Parkway, Ste.300 Richmond, VA 23233 (804) 762-7036 john.milne@nmfn.com