Here are the personal nouns formed by adding suitable suffixes to the provided words:

1. WIN → **winner**: the contestant who wins the contest, a gambler who wins a bet.
2. SAIL → **sailor**: any member of a ship's crew, a serviceman in the navy.
3. RETIRE → **retiree**: someone who has retired from active working.
4. LICENSE → **licensee**: someone to whom a licence is granted.
5. INSPECT → **inspector**: a high-ranking police officer, an investigator who observes carefully.
6. GANG → **gangster**: a criminal who is a member of a gang.
7. FIGHT → **fighter**: someone who fights often for a cause.
8. CREATE → **creator**: a person who grows, makes, or invents things.
9. CONTEST → **contestant**: a person who participates in competitions.
10. CONDUCT → **conductor**: the person who leads an orchestra or musical group.
11. ACT → **actor**: a theatrical performer.
12. ACCOUNT → **accountant**: someone who maintains and audits business accounts.

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