Common use of Participating Clause in Contracts

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 X. Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract on the effective date of return. [NORTHWESTERN MUTUAL LIFE LOGO] CONTRACT NUMBER V12 345 678 ANNUITANT Xxxx X. Xxx ISSUE DATE January 15, 1996 Sex Neutral TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, AND CHARGES; PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 X. Xxxx Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract Accumulation Units of the Separate Account on the effective date of return. RR.V.B.(0803) -------------------------------------------------------------------------------- [NORTHWESTERN MUTUAL LIFE LOGO] Northwestern Mutual(TM) -------------------------------------------------------------------------------- CONTRACT NUMBER V12 345 678 00 000 000 PRIMARY ANNUITANT Xxxx X. Xxx ISSUE DATE January 15July 31, 1996 Sex Neutral 2004 XX.X.X.XX.(0704) SEX NEUTRAL FRONT TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, INVESTMENT ACCOUNTS CHARGES AND CHARGES; FEES MINIMUM PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4PLANS

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 720 X. Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or xx the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract on the effective date of return. [NORTHWESTERN MUTUAL LIFE LOGO] CONTRACT NUMBER V12 345 678 ANNUITANT Xxxx John X. Xxx ISSUE DATE January 15, 1996 Sex Neutral TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, AND CHARGES; PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 720 X. Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or xx the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract on the effective date of return. [NORTHWESTERN MUTUAL LIFE LOGO] CONTRACT NUMBER V12 345 678 ANNUITANT Xxxx John X. Xxx ISSUE DATE January 15, 1996 Sex Neutral 2 TABLE OF CONTENTS PAGE CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, AND CHARGES; PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 X. Xxxx Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract Accumulation Units of the Separate Account on the effective date of return. RR.V.B.(0803) -------------------------------------------------------------------------------- [NORTHWESTERN MUTUAL LIFE LOGO] Northwestern Mutual(TM) -------------------------------------------------------------------------------- CONTRACT NUMBER V12 345 678 00 000 000 PRIMARY ANNUITANT Xxxx X. Xxx ISSUE DATE January 15July 31, 1996 Sex Neutral 2004 RR.V.B.BK.(0704) SEX NEUTRAL BACK TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, INVESTMENT ACCOUNTS CHARGES AND CHARGES; FEES MINIMUM PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4PLANS

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 720 X. Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or xx the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract on the effective date of return. [NORTHWESTERN MUTUAL LIFE LOGO] CONTRACT NUMBER V12 345 678 ANNUITANT Xxxx John X. Xxx ISSUE DATE January 15, 1996 Sex Neutral TABLE OF CONTENTS Page CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, AND CHARGES; PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 720 X. Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or xx the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract on the effective date of return. [NORTHWESTERN MUTUAL LIFE LOGO] CONTRACT NUMBER V12 345 678 ANNUITANT Xxxx John X. Xxx ISSUE DATE January 15, 1996 Sex Neutral 2 TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, AND CHARGES; PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4

Participating. AMOUNTS ALLOCATED TO THE SEPARATE ACCOUNT DIVISIONS AND VARIABLE PAYMENTS PROVIDED BY THIS CONTRACT ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT BUT ARE VARIABLE AND MAY INCREASE OR DECREASE TO REFLECT THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT. RIGHT TO RETURN CONTRACT -- Right To Return Contract. Please read this contract carefully. The Owner may return the contract for any reason within ten days after receiving it. Return of the contract is effective on the date written notice of the return is delivered, mailed or sent by telegram to either The Northwestern Mutual Life Insurance Company, 000 X. Xxxx Xxxxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxx 00000 or the agent who sold the contract. If returned, the contract will be cancelled and the Company will refund the sum of (a) the difference between the Purchase Payments paid and the amounts, if any, allocated to the Separate Account plus (b) the value of the contract Accumulation Units of the Separate Account on the effective date of return. -------------------------------------------------------------------------------- [NORTHWESTERN MUTUAL LIFE LOGO] Northwestern Mutual(TM) -------------------------------------------------------------------------------- CONTRACT NUMBER V12 345 678 00 000 000 PRIMARY ANNUITANT Xxxx X. Xxx ISSUE DATE January 15July 31, 1996 Sex Neutral 2004 RR.V.B.MSNST. (0704) SEX NEUTRAL TABLE OF CONTENTS CONTRACT INFORMATION, SEPARATE ACCOUNT DIVISIONS 3 LOADS, FEES, INVESTMENT ACCOUNTS CHARGES AND CHARGES; FEES MINIMUM PURCHASE PAYMENTS, ACCUMULATION VALUE, PAYMENT PLANS 4PLANS