8361 E Evans Rd Ste 110 | Scottsdale AZ 85260480.404.9117 | info@northernclover.com | northernclover.com

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2014 fall/winter lookbook

Nor� ern � �er was created and co-founded by Jane Kwa in Scottsdale, Arizona. She didn’t plan on this business of direct selling jewelry but rather fell upon it in a most unexpected but ultimately wonderful way.

Though she was born in Singapore, she has an international background having worked and lived in many countries. Jane had a successful career in her early years. She loved her job even with the constant traveling and long hours; but when she married and became a mother, this life change brought with it an adjustment with work – more speci� cally juggling work, relocations for her husband’s job, and being a mother and wife. Somewhere in the midst of this something shifted and she realized that she may have lost a piece of herself and her dreams.

When she and her family moved to the United States in 2012 after constantly moving for 12 years, she discovered direct selling and became inspired by its concept of enabling people to do this type of work within a manageable time frame and not allowing life’s distractions to get in the way of living – and making a living.

Jane � nally hit upon what she wanted to do. She wanted to live her American dream, the liberty and the freedom to create her own direct selling company. She set her path on creating Northern Clover, a company focused on creating value for her style consultants and their customers. Drawing on her procurement experience, she works directly with overseas factories to develop jewelry, paying special attention to plating and durability standards for the best quality at the price range.

In her own words:

“What I really hope for is that Northern Clover will lead to many of you having beautiful and inspirational stories of your own, so that you can be distracted from your distractions and reminded of your own dreams and do something for yourself that you can look back on and be proud of.”

I kn� � at my dream is... My dream is to ena� e y rs...

Jane KwaCo-Founder

host a style boutique...There’s a special feeling a woman gets when sliding on a new ring, adorning a necklace, or clasping a bracelet – it completes an out� t, brightens a day, adds elegance to even the most casual of attire. The feeling that a piece of jewelry can evoke is almost indescribable but we know it’s boundless and uplifting. Northern Clover’s jewelry is designed to complement a woman’s individual look, understanding she possesses the freedom to create her own style. It appeals to ALL WOMEN – styles that are ACCESSIBLE and ELEGANT at the same time.

At a Northern Clover Boutique, you will enjoy stylish rewards! Hostesses are showered with FREE jewelry, special Host only discounts and more, all for sharing an evening of fun while exploring the latest trends!

BOUTIQUE ORDERS HOSTESS CREDIT HOSTESS BUYS

$249+ $25 1

$449+ $45 2

$649+ $100 3

$849+ $130 4

$1049+ $210 5

$1249+ $250 6

BOOKING CREDIT - For each Boutique booked from the Hostess’s Boutique the Hostess will receive a $15 booking credit. Booking credit of $15 applies to a successful booking with at least 3 guest orders

*See complete plan for details

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A. HEART AND JEWEL STONE BRACELETGB-322-SS | $26.00A little heart, a little glitter…the Heart & Jewel Stone Bracelet with its enchanting outlined heart and Zircon stone charms look so pretty on the wrist. With an ever-so-slight dangle, the heart and stone are attached to the Chloe-fashioned double-strand silver beaded chain. Length: 6½” with 1¾” extender. .925 sterling silver plated.Lobster clasp closure.

B. DOTTED HEART EARRINGSGE-527-SS | $16.00Our silver dotted outlined heart earrings are so pretty, you’ll want to wear them every day! The texture of these earrings adds a bit of de� nition and the tiny pebbles that make up the heart almost look jewel toned in their re� ection. .925 sterling silver plated. Post and clutch backs.

C. TRIPLE FLOWER BRACELETGB-357-SS | $26.00A three-� ower charm adorns our signature Chloe double-stranded chain bracelet. The carved, � nely detailed petals on the front and back of these slightly overlapping � owers give these brilliant � owers an artful touch. Triple the delicate beauty! Length: 6½” with 1.5” extender. .925 sterling silver platedLobster clasp closure. 1/2” triple � ower charm.

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F. PEARL HEART BRACELETGB-040-SS | $29.00The gleam of this dainty solid silver heart is surrounded by freshwater pearl beading, adding elegance to this lovely Chloe bracelet. Dresses up a casual ensemble or adds to an already-exquisite out� t. Length: 6½” with 1.5” extender. .925 sterling silver plated. Lobster clasp closure.

G. SILVER HEART EARRINGSGE-601-SS | $16.00Whether you have single or double-pierced ears, these solid silver petite heart earrings are a great addition to your earring collection. So perfect for children’s as well as adult ears with just the right touch of a brushed silver shimmer. .925 sterling silver plated. Post and clutch backs.

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D. SWEETHEART GOLD AND SILVER NECKLACEGN-458-SS | $29.00No longer do you have to separate silver and gold jewelry – they’re fabulous together just as our tiny heart charms – one gold, one silver – look side by side in the Chloe Silver & Gold Hearts Necklace. Both hearts dangle from an 18” silver chain. Length: 18” with 1.5” extender. .925 sterling silver and 18k pure gold plated.Lobster clasp closure.

E. SWEETHEART GOLD AND SILVER BRACELETGB-458-SS | $26.00The best of both worlds – silver and gold dainty hearts on this Chloe-styled double-stranded bracelet. Watch how the sheen of these gold and silver � lled charms pick up the light and ever-so-delicately glimmer from the silver-beaded strands. Length: 6½” with 1.5” extender. .925 sterling silver plated. Lobster clasp closureOne sterling silver plated and One 18k pure gold plated heart charms.

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A. SHIMMER CIRCULAR EARRINGS - GOLDQGAE7614-GP | $10.00Like our Gold Shimmer Circular Pendant Necklace, the Gold Shimmer Circular Earrings feature the textured embossed treatment on the front and etched design on the back. These are your go-to gold earrings – they liven up any out� t and work perfectly from day to night. 2 embossed/etched rings. 18k goldtone platingEar wire backs. Lead-free, Nickel-free & Cadmium-free. | Also available in silver - QGAE7614-SP

B. SHIMMER CIRCULAR PENDANT NECKLACE - GOLDQGAN7614-GP | $29.00Six glistening circle pendants in pairs of two connect down the gold chain. The nice sheen of each pendant is enhanced by the embossed texture on one side and the etched design on the reverse side. A perfect “goes-with-everything” necklace. Length: 29” with 3” extender. 6 embossed/etched rings. 18k goldtone plating. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-free. | Also available in silver - QGAN7614-SP

C. ELEGANT CRYSTAL NECKLACE - SILVERQGAN6099-SP | $26.00Beautifully brilliant crystals and gorgeous detailed silver circles alternate down a 37-inch sterling silver chain. Just the right balance of luxury and sophistication that can best be summed up as dazzling! Wear as a single strand necklace or doubled up. Length: 37” with 3” extender. .925 sterling silver plating. 6 glass crystals, 6 etched circle pendants. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-free.Also available in gold - QGAN6099-GP

D. CIRCLE DANGLING EARRINGS - SILVERQGAE4989-SP | $12.00Oh how sassy! Long, dangling sterling silver circles – that aren’t pure circles, making them distinct and a bit edgy – hang from champagne, crystal-like pendants. They sing and dance with every movement, catching light, making your day. Length: 2” from ear wire to end of circles. Width: Ranges from ½“to 1” circles. Champagne acrylic crystals. .925 sterling silver plating. Ear wire backs | Also available in gold - QGAE4989-GP

E. RADIANT BOW BRACELET - SILVERQGAB5843-SP | $19.00There are so many things to love about the Audrey Radiant Bow Bracelet. There’s the absolutely luminous sterling silver, the glowing centerpiece bow of glass crystal, and the surrounding smaller sparkly and solid bows with tiny hearts that link the entire bracelet together. This will be a favorite! Length: 7” with 3” extender - .925 sterling silver plating. Glass crystal in large bow. Lobster clasp closure. Lead-free, Nickel-free &Cadmium-free | Also available in gold - QGAB5843-GP

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Elizabe� collection

A. GOLD BRAID ELEGANCE NECKLACEQGAN7627-GP | $35.00Fabulous statement piece! Large braided gold rope-textured necklace with iridescent � ickers highlight its woven quality. Each end � nishes with a shiny goldtone cap. Vintage-inspired elegance. Length: 20” with 3” extender. 18k goldtone plating. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-free.Also available in silver - QGAN7627-SP

B. THIN CUFF WEAVE BRACELET - GOLDQGAB5760-GP | $16.00An intricate woven gold motif highlights the Elizabeth Thin Cu� � exible bracelet. The shimmer of the gold tone is enhanced by this textured design and either end of the bracelet is marked by shiny gold rounded caps. 18k goldtone plating. Lead-free, Nickel-free & Cadmium-free. | Also available in silver - QGAB5760-SP

C. TOPAZ DROP EARRINGSQGAE4628 | $12.00Mod and ultra glamorous, three-inch triple drop earrings in iridescent topaz resins will stop people in their paths! Two half-inch glowing acrylic stones drop to the third dramatic three-quarter inch acrylic stones, all in goldtone settings. Stunning. Length: 3”. 18k goldtone plating. Three topaz-colored acrylic stones per earring.Ear wire backs.

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Jolie collection

A. ETCHED TRIANGLES NECKLACE - GOLDQGAN7618-GP | $19.00Lots of chic in this piece. Three groups of three striped etched gold triangles travel through the � ne goldtone chain. Fashionably fun and with a retro cool vibe… it’s � attering and feels as great as it looks. Length: 31” with 3” extender. 9 etched triangles. 18k goldtone plating. Lobster clasp closure. Lead-free, Nickel-free &Cadmium-free | Also available in silver - QGAN7618-SP

B. JOYFUL JOLIE CLEAR CRYSTAL NECKLACE - GOLDQGAN7417-GP-C | $19.00Carefree, light, jubilant collection of goldtone charms and glass crystal pendants – accented by a large ¾” teardrop shaped crystal. It all falls together at di� erent lengths from a gold circled ring. Also includes small glass crystal, cut-out leaf, small � ower, pink crystal-like bauble, and hanging gold chains. Length: 18” 18k goldtone plating. ¾” teardrop shape clear glass crystal pendant.. Assorted charms: � ower, pink plastic crystal, � ower-shaped charm, stencil leaf charm, small hanging decorative chains, gold circle ring. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-free. | Also available in pink crystal with gold - QGAN7417-GP-P and lavender crystal with silver - QGAN6903-P

C. SILVER WING NECKLACEQGAN7418-SP | $24.00Such a unique piece. Embellished with purple and pink stones and multi-color re� ective glass crystals that are encrusted into the one-and-a-half-inch wing, it falls at the end of a triple-lengthed chain that also features a mini sterling silver plated heart and delicate tiny pearls. Length: 18½“ (longest chain) with 3” extender. .925 sterling silver plating. 1½“ wing shaped pendant with glass crystals and pearls. Silver-plated heart charm. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-free. | Also available in gold - QGAN7418-GP

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D. BOHO CHIC BLUE CRYSTAL NECKLACEQGAN6903-B | $26.00Carefree, exuberant, and amazing – how you’ll feel with your fashion-forward Bo-Ho Chic Blue Crystal Necklace. A double-strand silver chain so bright it glistens, is decorated throughout with gorgeous glass crystals in two shades of blue, along with oval, mirror, � ower, and heart trinkets. Length: 40” with 3” extender10 blue glass crystals (dark blue / aqua blue). Silver trinkets include 2 hearts, 2 � owers, 15 mirror discs, 7 oval outlines. .925 sterling silver plating. Lobster clasp closure. Lead-free, Nickel-free & Cadmium-freeAlso available in pink - QGAN6903-P

E. FEATHER WHISPER EARRINGSQGAE4993 | $12.00Persian blue feathers sway along with the alluring, long silver chains and small engraved or stencil-designed feather charm accents. The Feather Whisper Earrings transport you to an exotic world… the mystery, the dream, is all yours. Length of 3 chains per earring varies from 3” to 4¼“. 2 blue feathers. 6 small silver feather charms.Silvertone plating. Ear wire backs. Lead-free, Nickel-free & Cadmium-free.

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LIVE

1 LIVEAre you living your life on your terms? With Northern Clover, you can!

Choose from part-time income to an Executive Level income or something in between – it’s up to you. Achieve the success you deserve, all while balancing your priorities and making time for what you feel is truly important. Work when YOU want, Earn what YOU want, Live life on YOUR terms.

Northern Clover is currently in soft-launch and seeking motivated candidates to helpus power the American dream. Please contact us to learn more at northernclover.com

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2 LaughLaugh more

Experience joy in the freedom to build your business on your terms. Revel in the � exibility to plan your own schedule and control your time. Cherish more time with family and discover new friendships. More happiness and laughter are in your future as you fuel your dreams and become more � nancially independent.3 loveBuild a life you love!

Discover the joy of personal achievement and watching others grow. Build � nancial independence as you help others do the same. Be richly rewarded for your e� ort and receive the success you deserve. Let us help you build the life you love!

LET’S GET started!

We make it easy for you to launch your Northern Clover Boutique for $49 by providing you with great pieces to display, as well as amazing support pieces and training tools.

BASEENROLLMENT PACKAGE

INCLUDESJEWELRY(1) Boho Chic Pink Lavender Crystal Necklace(1) Heart & Jewel Stone Bracelet(1) Aquamarine Dream Bracelet(1) Elegant Crystal Silver Necklace

MARKETING MATERIALS• (1) Pack of 5 Catalogs • (1) Pack of 10 Order Forms • (1) Pack of 5 Invitations • (1) Pack of 25 Name Cards • (1) Quick Start Flyer*• (1) Hostess Rewards Flyer*• (1) Product Flyer**download from back o� ce

BUSINESS SUPPLIES• (1) 30-days Free Back O� ce• (1) Northern Clover Debit Card

$49 (VALUED AT OVER $150)

$49GOLDSUCCESS PACKAGE

PLATINUMSUCCESS PACKAGE

• Silver Heart Earrings• Sweetheart Gold & Silver Bracelet• Sweetheart Gold & Silver Heart

Necklace• In� nity Glimmer Silver Necklace• In� nity Glimmer Silver Earrings• Audrey Silver Metal Cu� • Radiant Bow Bracelet - Silver• Thin Cu� Gold Weave Bangle• Silver Wing Necklace• Joyful Jolie Clear Crystal

Necklace - Gold

OPTIONALSuccess Packages

$99 (Valued at over $200)$25 to sponsor and $10 to upline

$197 (Valued at over $400)$50 to sponsor and $20 to upline

Special Base Enrollment Package Launch Price

*All kit contents are subject to availability and items may change.

• Butter� y Stencil Earrings• Dotted Bow Earrings• Sparkly Pendant Bracelet• Dotted Bow & Heart Dangle

Bracelet• Butter� y Stencil Bracelet• Bow & Heart Dangle Necklace• Butter� y Stencil Necklace• Circles Dangling Earrings - Gold• Shimmer Circular Earrings -

Silver• Elegant Crystal Gold Necklace• Celtic Gold Necklace• Double-Strand Pearl Silver

Necklace• Shimmer Circular Pendant

Necklace - Silver• Golden Horn Pendent Earrings • Leather Chain Link Bracelet

- Silver• Silver Braid Elegance Necklace• Feather Whisper Earrings • Boho Chic Blue Crystal

Necklace