Pub. 4 2013 Issue 1

Northwestern Mutual is one of the “World’s Most Admired” life insurance companies according to executives, directors and analysts responding to FORTUNE® magazine’s 2012 annual survey (March 2012 issue). Northwestern Mutual’s financial strength ratings from all four major ratings agencies are unsurpassed in the industry. · A++ A. M. Best (April 2012) · AAA Fitch Ratings (June 2012) · AA+ Standard & Poor’s (June 2012) · Aaa Moody’s Investors Service (October 2011) Melissa K. Oliverio, J.D. 121 Simpson Street Morgantown, WV 26501 (304) 292-3339 nmfn.com/melissaoliverio These financial representatives are endorsed by the West Virginia Bankers Association as their BOLI vendors. The Northwestern Mutual Life Insurance Company, Milwaukee, WI (Northwestern Mutual). Individuals listed 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. A.M. Best A++ (highest), 4/2012; Fitch AAA (highest), 6/2012; Moody’s Investors Service Aaa (highest), 10/2011; Standard & Poor’s AA+ (second highest), 6/2012. 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 michaeloliverio.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 3901 Westerre Parkway, Ste.300 Richmond, VA 23233 (804) 762-7036 john-milne.com Gerald Martin, CPA 3901 Westerre Parkway, Ste.300 Richmond, VA 23233 (757) 348-3083 nmfn.com/jerrymartin