An introduction to a unique career opportunity.

1. YOUR CAREER! YOUR SUCCESS! Career Presentation

2. Table of Contents 2

3. 3 THE FINANCIAL SERVICES INDUSTRY

5. As a Financial Representative, you provide your clients with a detailed overview of their current financial situation and suggests a personalized strategy for their financial security 4 The Financial Services Industry

7. In 2007, despite the markets downturn, the Financial Services sector represented 21% of the market capitalization of the S&P 500 in the United States5 Financial Services at a Glance

8. 6 THE GUARDIAN: A BRIEF OVERVIEW

10. A Mutual Company owned by our policyholders

11. Fortune 500 Rank – No. 259

12. Rating Agency Insurance Financial Strength Profile

13. Standard & Poor’s AA+ (Very Strong)

14. Fitch Ratings AA+ (Very Strong)

15. AM Best A++ (Superior)

16. Moody’s Aa2 (Excellent)7 Guardian: A Brief Overview *Financial information concerning The Guardian Life Insurance Company of America as of 12/31/07 on a Statutory basis: Admitted Assets = $28.3 Billion; Liabilities = $24.6 Billion (including $20.8 Billion of Reserves); and Surplus = $3.7 Billion.

17. 8 YOUR CAREER: FINANCIAL REPRESENTATIVE

19. To be a Financial Representative is to be passionate about the people you serve and their financial betterment

20. The reward is both personal and professional9 Your Career: Financial Representative

22. Training & Educational Development

23. Career Growth

24. Wealth Accumulation

25. Outstanding Benefits

26. The Living Balance Sheet10 Why Guardian?

27. 11 DO GOOD. DO WELL. DO IT YOUR WAY.

29. It means you can do good – by developing relationships with your clients that are based on integrity rather than sales quotas, therefore providing your clients with sound financial recommendations to help them achieve financial freedom

30. It means you can do well – to further your success that have established Guardian FRs as top earners with a contract that is one of the most lucrative in the industry

31. Finally, it means you can do it your way – you work for yourself, but not by yourself. Your success is determined solely by your ambition, but we make sure to support your growth all the way, from the start12 Do Good. Do Well. Do It Your Way.

33. Agency field force made up of over 3,000 Financial Representatives13 Guardian’s Professional Field Force

34. 14 Industry Production Comparison Industry Average (LIMRA)** Guardian Financial Representatives* $103,300 $40,825 *2007 Total number of FRs in the survey was 3,460. **LIMRA: 2006 Results for Size A Category (Largest Company).

35. 2007 Top FR Earnings Average 15 Salary, Incentive Compensation & Commission *Total number of FRs in the survey was 3,460. **Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4666. Park Avenue Securities LLC and the Guardian Insurance & Annuity Company, Inc. are wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member of FINRA & SIPC.

37. Our Financial Representatives work in partnership with our consumers to assess their needs, wants and priorities

38. As a mutual company (not publicly traded), Guardian’s Financial Representatives give our consumers the best service possible with a promise that the company will be there, strong and solvent, decades from now to pay a claim, help fund a retirement, or help pay the bills for a nursing home

39. Guardian’s mission of enriching the lives of others by turning their dreams into realities takes a special kind of person, a Guardian Financial Representative16 The Guardian Financial Representative

40. Attributes of a Guardian FR 17

41. Guardian Career Path Options 18 Financial Representative Path *Disability income products are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. **Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4666. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member FINRA, SIPC.

42. Guardian Career Path Options* 19 Management Path *Securities products and services are offered through Park Avenue Securities LLC, 7 Hanover Square, New York, NY 10004, (888) 600-4666. Park Avenue Securities LLC is an indirect, wholly-owned subsidiary of The Guardian Life Insurance Company of America, New York, NY. PAS is a member FINRA, SIPC.

44. Significant Retirement Savings

45. Extensive Insurance Coverage

47. Executive Club

48. President’s Council

49. Chairman’s Council

51. Local leader’s network and charisma

52. Environment of support and belief

53. Symbols of success

54. Solid management practices

56. Excellent products

57. Excellent financial and investment performance

58. Independence from “corporate” structure

59. Competitive compensation

62. GOL is made up of 8 sections (TABS) with sub-sections for each target

63. GOL contains webinars and video-and-documented based training via The Center; also, onsite training by product specialists (wholesalers)

65. New FR Orientation

66. Product Knowledge

67. Interactive Simulation Tutorials

68. Technology

69. Compliance

70. Advanced Sales Concepts

71. Motivational Videos

73. LBS training comes in various forms: in-house agency training and self-paced pre-work, which includes reading assignments and e-learningDisclosure: The Living Balance Sheet® and Logo are registered trademarks of The Guardian Life Insurance Company of America.

75. Programs are customized to help you build or enhance your business

76. At Guardian, we will help you to continually expand your knowledge and growth to the next level of productivity and professionalismDisclaimer: Each local agency’s participation in Guardian University is optional.

78. Guardian Professional Development Certification Program

79. Relationship Building

80. Products and Services

81. Self Study or Peer-to-Peer Interaction

82. Running Your Practice as a BusinessDisclaimer: Each local agency’s participation in Guardian University is optional.

83. 30 ABOUT WEALTH STRATEGIES NORTHWEST

85. A Leader in the delivery of uncommon knowledge to families and small business owners

86. Represented by the majority of our Advisors on each one of Guardian’s Top Performers Clubs

88. The Living Balance Sheet The Living Balance Sheet® (LBS)is about providing your clients with Organization, Integration, Strategy, Exclusivity, and most importantly, Control over their financial assets 33 http://www.livingbalancesheet.com Disclosure: The Living Balance Sheet® and Logo are registered trademarks of The Guardian Life Insurance Company of America.

90. As a Financial Representative, you are the key differentiator among your competitors

91. And, with The Living Balance Sheet®, you provide your client’s with a cutting-edge application that will drive results for you and your client’s – what we call “Achieving Financial Balance”34

93. You can use LBS to look for the financial products that produce the highest sustainable rate of return, at the lowest risk and at the same time provide the most benefitsProtection!Assets! Liabilities!Cash Flow!

95. Financial organization

96. Integration of their net worth

97. Realization of their building wealth

98. What Retirement cash flows will probably look like

99. Protection of their assets and income

101. LBS is an effective communication tool providing a more effective communication on the macroeconomic view of their clients financial status

103. 39 BUILDING YOUR FUTURE TOGETHER

105. Selling Preferences Questionnaire Assessment

106. Career Sampling/Market Match

107. Present Tentative Marketing Plan

108. Licensing

109. PRE-CONTRACT