© 2007 Northern Trust Corporation northerntrust.com The Northern Experience A C C E S S. E X P E R T I S E. S E R V I C E. Greg Yaeger Senior Vice President and Director of Financial Consulting Group September 11, 2007 © 2007 Northern Trust Corporation northerntrust.com Financial Consulting Group

2 The Northern Experience Risk / Return Expectations Tax Considerations Family Wishes Current Cash / Income Needs Financial Issue/ Decision Factors We Consider When Analyzing Financial Decisions

3 The Northern Experience Why Financial Planning? We’ll work with our clients to develop a plan that… Provides a framework for their long-term goals Helps our client make informed decisions Helps our client achieve their personal goals and objectives Provides our clients with peace of mind Financial planning provides a context for managing your financial life. Our Promise… The freedom to focus on what really matters.

4 The Northern Experience Identify and Define Client Goals Share Financial Analysis with Advisors Develop Integrated Strategies with Advisors Align Resources to Implement Plan Monitor and Evaluate Client’s Plans Financial Planning Process A disciplined, consultative approach aimed at managing our client’s entire financial situation. Client

5 The Northern Experience Northern Trust’s Approach to Financial Planning Understanding Your Client’s Needs and Goals  Planners will take the time to understand your client’s situation as it relates to their personal financial goals, individual income taxes and estate planning objectives An Integrated Approach  Planners work closely with your client’s other advisors to develop and implement a coordinated plan Providing Your Clients with Measurable Value  Planners provide value through analysis, advice, proactive implementation, expertise and results  Planners are limited in the number of clients they serve, so your clients receive the individual attention they need Proactive financial planning is essential to successful wealth management – integrating all aspects of your client’s financial life, so they can achieve their goals. Objective Financial Planning  Financial planners are not paid to sell products  Planners do not have financial ties to attorneys, outside firms, accountants, insurance agents, etc. Experience and Expertise  Senior planners average 20 years of experience in all aspects of financial planning and hold the highest professional credentials, including CPA, CFA, CFP ®, ChFC, CLU, CIMA, Masters in Tax, M.B.A., and J.D. degrees and designations Confidentiality  Planners will not share your client’s information with anyone unless your client ask us to do so

6 The Northern Experience Northern Trust’s Financial Planning Service Net worth Cash flow and debt management Retirement Asset allocation and investments Compensation and benefits Stock options Single stock exposure Insurance and risk management Income tax Education and major goal funding Estate and charitable giving Business succession Our planners address your client’s individual needs and help them in areas such as… Financial planning reflects what your clients want out of life and how they would like to be remembered. Comprehensive and customized analysis.

7 The Northern Experience Consultative Team Approach Experiences that demonstrate the success of the team approach. Client “CEO” Insurance Advisor Accountant Attorney Northern Trust Other Advisors

8 The Northern Experience One Source for All Your Financial Needs Northern Trust offers a full array of services designed with your client in mind. Retirement Services Qualified Plan Services Defined Benefit Plans Defined Contribution Plans Recordkeeping Investment Management Benefit Payment Services Comprehensive Trust Services Fiduciary Administration and Oversight Family Business Services Charitable Services Estate Settlement Services Real Estate and Farm Management Asset Custody Minerals Management Brokerage Full-Service Brokerage Money Market Instruments Safekeeping Private / Wealth Passport Online Access to Your Banking, Trust, Investment Management, Mutual Funds and Brokerage Information Financial Planning Retirement Planning Estate Planning Tax Planning Asset Allocation Stock Option Planning Corporate Banking Working Capital and General Corporate Loans Secured and Cash Flow Lending Acquisition Financing Industrial Development Bonds Equipment Finance and Leasing Asset Management Structured Investment Services Asset Allocation Equity Investing Fixed Income Investing Short-Term Asset Management Indexing Alternative Investments Single Stock Strategies Private Banking Personal Credit Lines and Swingloans Real Estate Development Loans Margin Loans Stock Option Lending Home Mortgages Equity Credit Lines Wealth Management Group Services Family Office Support Multigenerational Wealth Management Global Asset Servicing for Multi-Manager Investment Programs Data Aggregation and Customized Reporting Tax Lot and Partnership Accounting Investment Consulting and Performance Measurement Advisory Services Broad Menu of Outside Managers Servicing by Wealth Advisory Services Team Customized Deliverables Client Relationship Team Member FDIC and an Equal Housing Lender

9 The Northern Experience Not FDIC Insured | No Bank Guarantee | May Lose Value This presentation is for your private information and is intended for one-on-one use with current or prospective clients of Northern Trust. The information does not constitute investment advice or a recommendation to buy or sell any security, may not be suitable for all investors and is subject to change without notice. Securities products and brokerage services are sold by registered representatives of Northern Trust Securities, Inc. (member NASD, SIPC), a registered investment adviser and wholly owned subsidiary of Northern Trust Corporation. IRS CIRCULAR 230 NOTICE: To the extent that this communication or any attachment concerns tax matters, it is not intended to be used, and cannot be used by a taxpayer, for the purpose of avoiding any penalties that may be imposed by law. For more information about this notice, see Appendix Disclosure