The Guardian Life Insurance Comapny of America, NY, NYTThhee GGuaarddiaann Life Innssuuraanccee CCommmappny of AAmmeerriccaa NNYY NNYYT e G a ia f In u a e C m p y f mer a NY, Y

“Wealth is the ability to fully experience life.”—Henry David Thoreau

Career Opportunities with Pacific AdvisorsOur collective strength and services can help you achieve your goals

Securities products/services are offered through Park Avenue Securities LLC (PAS), a registered broker/dealer and investmentSeecuurrittieess prrooducttss/serrvvicceess aaree ooffeerred throouugghh PPaark AAvvenue SSeecuritiies LLC (PAASS)) a registeerreed bbrokeerr/ddeeaaler anndd innvveestmmenttSeccurri iee p oo uctss se vv cee aa e fferred hrouu hh Paa k Avv nue ee ur ties LC (PASS , a regi tee eed bb okerr/deealer andd inn ee tmmenadvisor, 1550 W. Colorado Blvd., Pasadena, CA 91105, 1-323-255-8800. PAS is an indirect, wholly owned subsidiary of The d i 1550 WWW CC l d BBl d P d CCAA 99110055 11 323 225555 8880000 PPAASS i i di tt hh ll d bb iddi ff TThhadvisor, 1550 WWW. CCoolorrado BB vd , Pasaddenna, CAA 9911005, 1-323-225555-888000 PPASS iss an indirecct, wwhhollyy owwned ssuubbsiddiarryy oof TTheeGuardian Life Insurance Company of America, New York, NY. Pacific Advisors, Inc. is not an affiliate or subsidiary of PAS or GGuaarddian LLiffee Insurraanncce CCoommpannyy of AAmmeericcaa, NNeeww YYoorkk,, NNY. Paacciffic AAddvvissoors, Innc. iss noott aann afffilliaatte oor ssuubbsiddiaaryy ooff PAASS oor yGuardian. Insurance Products offered through Pacific Regional Insurance Services, a DBA of Pacific Advisors, Inc. Pacific GGuuardiaan Innssurannccee Proodduuccts oofffeered tthroouugghh Pacific Reeggionaal Innsuraannccee Serrvvicceess aa DBBAA of PPaacificc Advissorss Inc Paccificu r a s r c o u t o e e t ro g a f R g o a n u n e S v e , B a f d s s I c P i c

Advisors, Inc. is not an independent Registered Investment Advisor. AAdvisoorss Innc is not an innddeeppeenndent Regissteerredd Inveesstmmeennt AAddvvissoorA v oo s, ncc is not an ndd pp n e t eg sster d n ess m n A v sooPAS is a member of FINRA/SIPCPPAASS ii bb f FINNRRA/SSIPPCPPAASS s a memmbb r f INNRAA/SS PPC

Disability income products underwritten and issued by Berkshire Life Insurance company of America, Pittsfield, MA, a wholly Dissabbility innccoomme proodduucctss undeerwwritttten aannd isssuueedd by BBerkksshhirree LLifee Insuraanncce ccoommppaannyy ooff AAmeerica,, Pitttssfieldd, MMAA, a wwhoollyyp y yowned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance owwnned sstock subbssidiary oof TThe GGuaarrdiaann Life Innssuuranccee CCommppaany oof AAmmerica Neww Yoorrk NNYY oor TThee GGuaarrdiaann Life Inssuurancceeown d t ck s bs d ry o T e Gu r a fe In u a ce C m a y f Ame c e Yor , Y o T e G ar a f In u a ceCompany of America, New York, NY. Products are not available in all state. Product provisions and features may vary by state. Commppanny oof AAmmerriccaa NNeeww YYoorkk NNYY PProducttss aare nnot availaabble in all sstaatte Proodduuct proovvisions and feaattuuress mmaay vvaary bby sstaatteCompp ny oof AAmericca, Neew YYoork, NYY PP oduc s are nnot ava laable inn al statte. Prooduu t proovis ons and featt res mmaay vv ry bby sstatt .

Guardian, its subsidiaries, agents or employees do not provide tax or legal advice.GG di i bb iddi i l d id l l d iGGuaarrdiaann, itts ssuubsiddiarriess, agentss orr emmplooyyees do nnoot pproovide taxx or leeggaal adviice.

Asset Management Services

Fee-Based Asset Management

Comprehensive Brokerage Services

Asset Allocation Analysis

401(k) Plans

Existing Investments

Stock Options

Insurance Services

Life Insurance

Disability Insurance

Long-Term Care Insurance

Business Services

Executive Benefit Planning

Key Person Planning

Qualified Retirement Plans

Deferred Compensation Planning

Buy-Sell and Buyout Planning

Financial Services

Fee-based Planning

Estate Planning

Charitable Planning

Focus Plans

Retirement Planning

Cash Flow Analysis

www.pacificadvisors.com / 888-399-3331

Claremont / Pasadena / San Diego / San Jose / Santa Rosa / Sacramento

Pacific Advisors has a lineage that dates back to Guardian’s first San Francisco office in 1862. More recently, three successful California agencies came together to form Pacific Advisors as it exists today. Collectively, the firm has achieved several industry awards that recognize us as one of the largest regional insurance and planning firms on the West Coast.

The combined firm provides education, support, training and back-office services for over 150 representatives and 3,000 licensed brokers with Guardian’s quality life, own-occupation disability products and very competitive long term care insurance. Pacific Advisors adds a new dimension in advanced planning support with a specialty in tax-exempt, charitable gift planning and the Business Resource Center for advanced business planning.

The Guardian’s proprietary, online planning and tracking program, The Living Balance Sheet ®, along with Pacific Advisors’ top mentors and training, provides a strong foundation in a premier financial services firm for those who want to continually grow and evolve their careers.

A career with Pacific Advisors is a unique experience in the financial services industry. Whether you’re an experienced professional, a newcomer to the financial services arena, or are considering a career change, we can help you get closer to the career and life you have always wanted!

We truly look forward to the opportunity of sharing with you how our expansion can help you achieve your business goals and growth potential.

A History of Success and Strength

www.pacificadvisors.com / 888-399-3331

Whether you’re an experienced professional, a newcomer to the financial services arena, or are considering a career change, we can help you get closer to the career and life you have always wanted!

Walt Cardinet, Managing PartnerKelly Kidwell, President/CEOand Neil Willner, Managing Partner

Your Opportunity With A Leading Firm

Pacific Advisors invests in your future with our nationally recognized, comprehensive training and education. Our process is composed of three immersive phases. Phase I is the “Start-Up Process.”

Phases II and III build on the Start-Up Process to help you achieve a career of lifetime success.

Stage One — The Opportunity SnapshotLearn about the rewards of a financial planning career with Pacific Advisors.

Stage Two — The Aptitude Intra-ViewDo you have what it takes? We’ll spend time together discovering how your experience, skills and education fit into a career in financial services and whether Pacific Advisors is right for you.

Stage Three — The Pacific Advisors ExperienceCome spend the day with us. We’ll take you behind the scenes to show you how we create value for our clients. You’ll also meet with our training, education, and marketing team to gain a better understanding about compensation, benefits and expectations.

Stage Four — Career CommitmentYou now have the proper licenses. We have learned much about each other and you have gained a real insight on Pacific Advisors. At this stage a decision is made to move forward or not.

Stage Five — Career Prep-BuilderCongratulations!If you have arrived at this stage you will begin to demonstrate your commitment and abilities to go onto a successful career with Pacific Advisors.

Stage Six — The Fast Start AdvantageWork closely with your Pacific Advisors mentor to make sure your first 30 days are successful.

Phase 1 — The Start-Up ProcessThe right start for the right people.

www.pacificadvisors.com / 888-399-3331

Year 1 $ 94,480

Year 2 $ 104,218

Year 3 $ 117,045

Year 4 $ 128,651

Year 5 $ 137,678

Year 6 $ 151,164

Year 7 $ 163,619

Year 8 $ 175,333

Year 9 $ 186,597

Year 10 $ 197,715

1. 209% Commission?2. 196% Commission? With the Field Representative Contract through the Guardian California Pacific Agencies, this translates into what an associate of our firm could earn (1) on disability insurance and (2) on sales of whole life insurance over the associate’s first 10 years on a new disability income or life sale.2

The following is a summary review of The Guardian 2008 Financial Representative compensation for the year ending December 31, 20081.

The Guardian’s Top 10 = $1,531,151*

The Guardian’s Top 25 = $1,178,525*

The Guardian’s Top 50 = $947,246*

The Guardian’s Top 100 = $740,123*

The Guardian’s Top 500 = $369,660*

The Guardian’s Top 1,000 = $256,433*

* Financial Representatives averaged this amount in salary, incentive compensation and commissions.

1 The total number of Financial Representatives in the survey was 3,659. Securities products and services are offered through Park Avenue Securities LLC (PAS), 1550 W. Colorado Blvd., Pasadena, CA 91105, 1-323-255-8800. PAS and The Guardian Insurance & Annuity Company, Inc. are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.

2 Based on highest persistency and sufficient production.

Compensation Projection As a Guardian Financial Representative with Pacific Advisors: Assumptions: $100,000 of life insurance premium and $25,000 of disability insurance premium with a 5% increase in sales each year, 100% persistency (includes the estimated value of benefits).

For a personalized Compensation Projection Model, contact one of our Career Development Supervisors.

Guardian’s FR Compensation ElementsReceive all of the benefits of an employee and retain all of the independence of a successful business owner!

The Guardian Life Insurance Comapny of America, NY, NY

GEAR #2009-3618 Rev. 9/09

Platinum WAP

Gold WAP

401(k) with 3% Match

Defined Benefit Retirement Plan

Post Retirement Renew/Service

Comprehensive Fringe Benefits

Employer’s Share of Social Security

Persistency Renewals

Basic Renewals

Agency Provided Service/EAP

Supplemental Compensation

Basic Compensation-FYC

A Client Relationship Tool That Can Set You Apart From The CompetitionThe Living Balance Sheet® is an exclusive web-based client servicing system designed to help you attract quality clients, leverage your existing client relationships and enhance your professional image.

Custom-built for Guardian’s career force, The Living Balance Sheet® enables the Financial Representative and the client to have a simultaneous view of the client’s financial picture through a personal, secure homepage.

The Interactive Platform Enables You To:Securely organize and analyze client data.•Present current products and strategies.•Gather quality referrals.•Improve client management efficiency and •communication.Enhance your professional image.•Streamline back office systems.•Reaffirm the value of insurance protection.•

This powerful knowledge-based system presents a net worth picture, updated daily to help your clients work towardsoptimal financial balance – while simultaneously increasing your product sales.

The Living Balance Sheet®

The Living Balance Sheet® displays the financial holdings identified by the client based upon information and valuations provided directly by the client or by electronic feeds from the client’s financial institutions. Valuations provided by electronic feeds reflect the most current information provided by the financial institution as of the date and time noted, but can reflect valuations from an earlier date and time.

The Guardian Life Insurance Company of America, New York, NY. For Agent/Broker Use Only. Not For Use With The General Public.Pacific Advisors is an authorized user of The Living Balance Sheet®. The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of

America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws.

The Living Balance Sheet® enables the Financial Representative and the client to have a simultaneous view of the client’s financial picture through a personal, secure homepage.

To learn more about The Living Balance Sheet® visit www.livingbalancesheet.com

The Guardian Life Insurance Comapny of America, NY, NYTThhee GGuaarddiaann Life Innssuuraanccee CCommmappny of AAmmeerriccaa NNYY NNYYT e G a ia f In u a e C m p y f mer a NY, Y

“Wealth is the ability to fully experience life.”—Henry David Thoreau

Career Opportunities with Pacific AdvisorsOur collective strength and services can help you achieve your goals

Securities products/services are offered through Park Avenue Securities LLC (PAS), a registered broker/dealer and investmentSeecuurrittieess prrooducttss/serrvvicceess aaree ooffeerred throouugghh PPaark AAvvenue SSeecuritiies LLC (PAASS)) a registeerreed bbrokeerr/ddeeaaler anndd innvveestmmenttSeccurri iee p oo uctss se vv cee aa e fferred hrouu hh Paa k Avv nue ee ur ties LC (PASS , a regi tee eed bb okerr/deealer andd inn ee tmmenadvisor, 1550 W. Colorado Blvd., Pasadena, CA 91105, 1-323-255-8800. PAS is an indirect, wholly owned subsidiary of The d i 1550 WWW CC l d BBl d P d CCAA 99110055 11 323 225555 8880000 PPAASS i i di tt hh ll d bb iddi ff TThhadvisor, 1550 WWW. CCoolorrado BB vd , Pasaddenna, CAA 9911005, 1-323-225555-888000 PPASS iss an indirecct, wwhhollyy owwned ssuubbsiddiarryy oof TTheeGuardian Life Insurance Company of America, New York, NY. Pacific Advisors, Inc. is not an affiliate or subsidiary of PAS or GGuaarddian LLiffee Insurraanncce CCoommpannyy of AAmmeericcaa, NNeeww YYoorkk,, NNY. Paacciffic AAddvvissoors, Innc. iss noott aann afffilliaatte oor ssuubbsiddiaaryy ooff PAASS oor yGuardian. Insurance Products offered through Pacific Regional Insurance Services, a DBA of Pacific Advisors, Inc. Pacific GGuuardiaan Innssurannccee Proodduuccts oofffeered tthroouugghh Pacific Reeggionaal Innsuraannccee Serrvvicceess aa DBBAA of PPaacificc Advissorss Inc Paccificu r a s r c o u t o e e t ro g a f R g o a n u n e S v e , B a f d s s I c P i c

Advisors, Inc. is not an independent Registered Investment Advisor. AAdvisoorss Innc is not an innddeeppeenndent Regissteerredd Inveesstmmeennt AAddvvissoorA v oo s, ncc is not an ndd pp n e t eg sster d n ess m n A v sooPAS is a member of FINRA/SIPCPPAASS ii bb f FINNRRA/SSIPPCPPAASS s a memmbb r f INNRAA/SS PPC

Disability income products underwritten and issued by Berkshire Life Insurance company of America, Pittsfield, MA, a wholly Dissabbility innccoomme proodduucctss undeerwwritttten aannd isssuueedd by BBerkksshhirree LLifee Insuraanncce ccoommppaannyy ooff AAmeerica,, Pitttssfieldd, MMAA, a wwhoollyyp y yowned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY, or The Guardian Life Insurance owwnned sstock subbssidiary oof TThe GGuaarrdiaann Life Innssuuranccee CCommppaany oof AAmmerica Neww Yoorrk NNYY oor TThee GGuaarrdiaann Life Inssuurancceeown d t ck s bs d ry o T e Gu r a fe In u a ce C m a y f Ame c e Yor , Y o T e G ar a f In u a ceCompany of America, New York, NY. Products are not available in all state. Product provisions and features may vary by state. Commppanny oof AAmmerriccaa NNeeww YYoorkk NNYY PProducttss aare nnot availaabble in all sstaatte Proodduuct proovvisions and feaattuuress mmaay vvaary bby sstaatteCompp ny oof AAmericca, Neew YYoork, NYY PP oduc s are nnot ava laable inn al statte. Prooduu t proovis ons and featt res mmaay vv ry bby sstatt .

Guardian, its subsidiaries, agents or employees do not provide tax or legal advice.GG di i bb iddi i l d id l l d iGGuaarrdiaann, itts ssuubsiddiarriess, agentss orr emmplooyyees do nnoot pproovide taxx or leeggaal adviice.

Asset Management Services

Fee-Based Asset Management

Comprehensive Brokerage Services

Asset Allocation Analysis

401(k) Plans

Existing Investments

Stock Options

Insurance Services

Life Insurance

Disability Insurance

Long-Term Care Insurance

Business Services

Executive Benefit Planning

Key Person Planning

Qualified Retirement Plans

Deferred Compensation Planning

Buy-Sell and Buyout Planning

Financial Services

Fee-based Planning

Estate Planning

Charitable Planning

Focus Plans

Retirement Planning

Cash Flow Analysis

www.pacificadvisors.com / 888-399-3331

Claremont / Pasadena / San Diego / San Jose / Santa Rosa / Sacramento

GEAR# 2009-1086 Rev. 9/09