Common use of RIGHT TO EXAMINE POLICY Clause in Contracts

RIGHT TO EXAMINE POLICY. You may return this policy to us within (1) 10 days after you get it, or (2) 45 days after you sign the application, or (3) 10 days after we mail or deliver the Notice of Withdrawal Right, whichever is latest. The policy, with a written request for cancellation, must be mailed or delivered to our Home Office or to the representative who sold it to you. The returned policy will be treated as if we never issued it, and we will pay you the amount specified by the laws of the state in which the policy was issued. If you have any questions about your policy or need additional insurance service, contact your representative or write to our Home Office. Signed at our Home Office on the Policy Date. /s/XXXXXXX X. XXXXXX /s/XXXX XXXXXXXX Secretary President · Adjustable death benefit · Flexible premiums payable during Insured's lifetime until the Maturity Date · Death Proceeds payable at Insured's death prior to the Maturity Date · Maturity Proceeds payable on the Maturity Date · Not eligible for dividends · Investment experience reflected in benefits PROVISIONS PAGE Assignment 8 Beneficiary 7 Cash Surrender Value 4 Cash Value 10 Death Benefit 9 Definitions 4 Error in Age or Sex 6 Grace Period 8 Guaranteed Policy Continuation 8 Incontestability 6 Insured 4 Insuring Agreement 1 Loan 134 Monthly Cost of Insurance 113 Nonforfeiture 10 Non-guaranteed Persistency Credit 12 Optional Modes of Settlement 16 Ownership 7 Partial Surrender 12 Policy Conversion 14 4Policy Data Page 3 Premium Payments 8 Reinstatement 8 Suicide 6 Termination 6 Transfers 158 Valuation of Assets in a Variable Account 14 Variable Account 15

RIGHT TO EXAMINE POLICY. You may return this policy to us within (1) 10 days after you get it, or (2) 45 days after you sign the application, or (3) 10 days after we mail or deliver the Notice of Withdrawal Right, whichever is latest. The policy, with a written request for cancellation, must be mailed or delivered to our Home Office or to the representative who sold it to you. The returned policy will be treated as if we never issued it, and we will pay you the amount specified by the laws of the state in which the policy was issuedrefund any premiums paidrefund any premiums paid. If you have any questions about your policy or need additional insurance service, contact your representative or write to our Home Office. Signed at our Home Office on the Policy Date. /s/XXXXXXX X. XXXXXX /s/XXXX XXXXXXXX [ Secretary President · Adjustable death benefit · Flexible premiums payable during Insured's lifetime until the Maturity Date · Death Proceeds payable at Insured's death prior to the Maturity Date · Maturity Proceeds payable on the Maturity Date · Non-Participating · Not eligible for dividends · Investment experience reflected in benefits PROVISIONS PAGE ________________________________________CONTENTS_____________________________________ PROVISIONSPAGE Annual Report Assignment 8 Beneficiary 7 Cash Surrender Value 4 Cash Value 10 Death Benefit 9 Definitions 4 Error in Age or Sex 6 Exchange of Policy Provision Fixed Account Grace Period 8 Guaranteed Policy Continuation 8 Illustration of Benefits and Values Incontestability 6 Insured 4 Insuring Agreement 1 Loan 134 Monthly Cost of Insurance 113 Nonforfeiture 10 Non-guaranteed Persistency Credit 12 Nonforfeiture Optional Modes of Settlement 16 Ownership 7 Partial Surrender 12 Policy Conversion 14 4Policy Data Page 3 Premium Payments 8 Reinstatement 8 Suicide 6 Termination 6 Transfers 158 Valuation of Assets in a Variable Account 14 Variable Account 15Account

RIGHT TO EXAMINE POLICY. You may return this policy to us within (1) 10 days after you get it, or (2) 45 days after you sign the application, or (3) 10 days after we mail or deliver the Notice of Withdrawal Right, whichever is latest. The policy, with a written request for cancellation, must be mailed or delivered to our Home Office or to the representative agent who sold it to you. The returned policy will be treated as if we never issued it, and we will pay you the amount specified by the laws of the state in which the policy was issued. If you have any questions about your policy or need additional insurance service, contact your representative agent or write to our Home Office. Signed at our Home Office on the Policy Date. /s/XXXXXXX X. XXXXXX /s/XXXX XXXXXXXX Secretary President · Adjustable death benefit Death Benefit · Flexible premiums payable during Insured's lifetime until the Maturity Date · Death Proceeds payable at Insured's death prior to the Maturity Date · Maturity Proceeds payable on the Maturity Date · Not eligible for dividends · Investment experience reflected in benefits PROVISIONS PAGE VLO-0758 Nationwide Life Insurance Company Home Office: One Nationwide Plaza · Columbus, Ohio 43215-2220 CONTENTS Page Assignment 9 Beneficiary 8 Beneficiary 7 Cash Surrender Value 4 Cash Value 10 13 Death Benefit 9 10 Definitions 4 Error in Age or Sex 6 Gender 7 Exchange of Policy Provisions 16 Fixed Account 18 Grace Period 8 Guaranteed Policy Continuation 8 9 Incontestability 6 Insured 4 5 Insuring Agreement 1 Loan 134 16 Monthly Cost of Insurance 113 15 Nonforfeiture 10 Non-guaranteed Persistency Credit 12 Optional Modes of Settlement 16 19 Ownership 7 8 Partial Surrender 12 Policy Conversion 14 4Policy Data Page 3 Premium Payments 9 Reinstatement 9 Right to Transfer 18 Separate Account Provisions 17 Suicide 7 Termination 8 Reinstatement 8 Suicide 6 Termination 6 Transfers 158 Valuation of Assets in a Variable Account 14 Variable Account 1517