Northwestern Mutual offers a number of fixed settlement plans:

• Interest Income Plans—allow you to earn interest on your proceeds while keeping your principal intact.

• Installment Income Plans—allow you to receive principal and interest in monthly payments for a specified period of time.

• Specified Amount Plans allow you to receive payments of principal and interest until the funds are exhausted.

• Life Income Plans pay principal and interest, in equal amounts, on a monthly basis for the rest of your life.

Types of Interest Income Plans

Interest Income

• You can make withdrawals and transfers to another settlement plan at any time at no charge.

• The current interest rate is payable for the calendar year and may change annually, as determined by Northwestern Mutual.

• The interest rate will never be lower than the guaranteed rate specified in your contract.

• Interest is paid to you or compounded annually.

Interest Income with Guaranteed Interest Rate

• A minimum of $5,000 is required.

• You can select from an interest period of six months, one year, two years, five years or 10 years.

• At the end of the interest period, your choice will renew automatically, unless you specify otherwise. The rate of interest will be that offered by Northwestern Mutual at that time.

• Interest is paid to you or compounded annually.

• You can make withdrawals and transfers at the end of the interest period you select. A charge will be deducted, however, if you make a withdrawal or transfer before the end of your interest period.

Types of Installment Income Plans

Installment Income for Specified Period

• You receive principal and interest in varying monthly payments over a specified period between one and 30 years.

• The current interest rate is payable for the calendar year and may change annually, as determined by Northwestern Mutual. It will never be lower than the guaranteed minimum rate specified in your contract.

• Interest that exceeds your guaranteed rate will be added to your guaranteed payments.

• A withdrawal or transfer of the remaining funds can be made free of charge at any time before the end of your payment period. Partial withdrawals are not allowed.

Installment Income for Specified Period with Guaranteed Interest Rate
The Installment Income for Specified Period with Guaranteed Interest Rate option includes the following:

• You receive principal and interest in equal monthly payments guaranteed for a specified period of two to 20 years.

• The interest rate and the payment amount are both guaranteed for the time period you select.

• A withdrawal or transfer can be made at any time. The maximum you can withdraw is calculated by discounting the remaining guaranteed payments and applying a withdrawal charge.

• A minimum of $5,000 is required.

Types of Specified Amount Plans

Installment Income for Specified Period

• Principal and interest are paid to you in an amount you choose until your account balance is zero.

• Payments continue until all interest and principal have been paid out.

• The current interest rate is payable for the calendar year, and may change annually, as determined by Northwestern Mutual. It will never be lower than the guaranteed minimum rate specified in your contract.

• Interest that exceeds your guaranteed rate will be used to extend your payment period.

• Withdrawals or transfers of your remaining funds can be made free of charge.

Life Income Plans
Northwestern Mutual has life income plans with two payment options. For either case, withdrawals or transfers are not allowed once payments have started.

• Lifetime Only Plan: Guarantees payments for life. Payments stop upon your death.

• Lifetime with a Certain Period Plan: Guarantees payments for life. You have the option of guaranteed payments for 10 or 20 years, or until all of the amount you originally invested is paid out. If you die before the guaranteed payment period ends, payments will continue to your beneficiary for the remainder of the guaranteed period.

Who to Consult
Decisions concerning a fixed payment plan should be made within the scope of your total financial situation, your expectation of investment risk and return, and with the advice of your Northwestern Mutual Financial Network Representative or tax advisor.