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nationwide:C000244786Member nationwide:InvestmentadvisoryfeesMember 2026-04-27 2026-04-27 0000914603 nationwide:C000244786Member nationwide:PurchasePaymentCreditRiskMember 2026-04-27 2026-04-27 0000914603 nationwide:C000244786Member nationwide:EVOptionRiskMember 2026-04-27 2026-04-27 0000914603 nationwide:C000244786Member nationwide:ActivetradingMember 2026-04-27 2026-04-27 pure iso4217:USD utr:Y 0000914603 false 2026-04-27 N-4 N-4 Nationwide Variable Account-5 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:26.5pt;"> <td colspan="4" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:541.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES, EXPENSES, AND ADJUSTMENTS</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">(see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Fee Table</span><span style="font-family:Arial;font-size:10pt;"> and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Charges and Adjustments</span><span style="font-family:Arial;font-size:10pt;">)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the Contract Owner withdraws money from the contract within </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years following </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">his/her last purchase payment, a Contingent Deferred Sales Charge (or "CDSC") may </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">apply (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contingent Deferred Sales Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The CDSC will not exceed </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount of purchase payments withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, for a contract with a $100,000 investment, a withdrawal taken during the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">CDSC period could result in a CDSC of up to $</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2,000</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. This loss will be greater if there are </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">taxes or tax penalties.</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:70pt;"> <td rowspan="8" style="border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement Income Rider is included with all contracts, and currently there is </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">no additional charge for election of the Joint Option for the Nationwide Retirement Income </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider. In addition, currently there is only one Sub-Account available for direct allocation by </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Contract Owner. Please refer to your contract specifications page for information about </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the specific fees you will pay each year.</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.20</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.20</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Underlying mutual fund fees and expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.28</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.68</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:48pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Includes the Mortality and Expense Risk Charge (assessed as a percentage of Daily Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assets) and the Nationwide Retirement Income Rider charge (assessed as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of Current Income Benefit Base).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of underlying mutual fund net assets.</span></div></div></td></tr> <tr style="height:59pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Because each contract is customizable, the options elected affect how much each </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner will pay. To help you understand the cost of owning the contract, the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost a Contract Owner could pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that no withdrawals are taken from the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contract, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add a CDSC that substantially increases costs</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Lowest Annual Cost Estimate:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">$</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2,323.06</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"> </div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Highest Annual Cost Estimate:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">$</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2,654.52</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"> </div></div></td></tr> <tr style="height:100.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Least expensive underlying mutual fund fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No CDSC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No additional purchase payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">withdrawals</span></div></div></td> <td colspan="2" style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">optional benefits and underlying </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">mutual fund fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No CDSC</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">transfers or withdrawals</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:81pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Charges or </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Adjustments for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Withdrawals?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">If the Contract Owner withdraws money from the contract within </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">5</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> years following </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">his/her last purchase payment, a Contingent Deferred Sales Charge (or "CDSC") may </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">apply (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contingent Deferred Sales Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The CDSC will not exceed </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount of purchase payments withdrawn.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">For example, for a contract with a $100,000 investment, a withdrawal taken during the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">CDSC period could result in a CDSC of up to $</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2,000</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. This loss will be greater if there are </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">taxes or tax penalties.</span></div></div></td></tr></table> 5 0.02 2000 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:70pt;"> <td rowspan="8" style="border-right:0.5pt solid #000000;padding-bottom:4pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Are There Ongoing Fees </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">and Expenses?</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The table below describes the fees and expenses that you may pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement Income Rider is included with all contracts, and currently there is </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">no additional charge for election of the Joint Option for the Nationwide Retirement Income </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider. In addition, currently there is only one Sub-Account available for direct allocation by </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the Contract Owner. Please refer to your contract specifications page for information about </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the specific fees you will pay each year.</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Annual Fee</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Maximum</span></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base Contract</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.20</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">2.20</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:15pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Underlying mutual fund fees and expenses</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:93pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.28</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:90.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.68</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">%</span><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:48pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Includes the Mortality and Expense Risk Charge (assessed as a percentage of Daily Net </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assets) and the Nationwide Retirement Income Rider charge (assessed as a percentage </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of Current Income Benefit Base).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of underlying mutual fund net assets.</span></div></div></td></tr> <tr style="height:59pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Because each contract is customizable, the options elected affect how much each </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner will pay. To help you understand the cost of owning the contract, the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">following table shows the lowest and highest cost a Contract Owner could pay </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">each year</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">based on current charges. This estimate assumes that no withdrawals are taken from the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contract, </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">which could add a CDSC that substantially increases costs</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Lowest Annual Cost Estimate:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">$</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2,323.06</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:normal;"> </div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:183.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Highest Annual Cost Estimate:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">$</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">2,654.52</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:normal;"> </div></div></td></tr> <tr style="height:100.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:228pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Least expensive underlying mutual fund fees </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">and expenses</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No optional benefits</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No CDSC</span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No additional purchase payments, transfers or </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">withdrawals</span></div></div></td> <td colspan="2" style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:183.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assumes:</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment of $100,000</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● 5% annual appreciation</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Most expensive combination of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">optional benefits and underlying </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">mutual fund fees and expenses</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No CDSC</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No additional purchase payments, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">transfers or withdrawals</span></div></div></td></tr></table> 0.0220 0.0220 0.0028 0.0068 <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">1</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Includes the Mortality and Expense Risk Charge (assessed as a percentage of Daily Net </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assets) and the Nationwide Retirement Income Rider charge (assessed as a percentage </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">of Current Income Benefit Base).</span> <span style="font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-2.75pt;">2</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">As a percentage of underlying mutual fund net assets.</span> 2323.06 2654.52 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15.5pt;"> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:541.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div></div></td></tr> <tr style="height:26pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is There a Risk of Loss </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">from Poor Performance?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owners of variable annuities can lose money by investing in the contract, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including loss of principal (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div></div></td></tr> <tr style="height:100.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Is this a Short-Term </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment?</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The contract is not a short-term investment and is not appropriate for an investor who </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">needs ready access to cash. Nationwide has designed the contract to offer features, </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">pricing, and investment options that encourage long-term ownership (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A CDSC may apply for up to 5 years following the last purchase payment and could reduce </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the value of the contract if purchase payments are withdrawn during that time (see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contingent Deferred Sales Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The benefits of tax deferral and living benefit </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">protections also mean that the contract is more beneficial to investors with a long time </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">horizon (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:541pt;table-layout:auto;"> <tr style="height:114pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Associated with the </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Investment Options?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this contract is subject to the risk of poor investment performance. </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Investment experience can vary depending on the investment option(s) available under </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the contract. Currently, there is only one investment option available for direct allocation </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">by the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option has its own unique risks. If the Contract Owner is not satisfied </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">with the available investment option or it does not meet their investment objectives, their </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">only course of action may be to surrender the contract and forego any of its benefits.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectus and disclosures for the available investment option before </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">making an investment decision.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks.</span></div></div></td></tr> <tr style="height:59pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">What Are the Risks </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Related to the Insurance </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Company?</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the contract is subject to the risks associated with Nationwide, including that </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations, guarantees, or benefits are subject to the claims-paying ability of </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide. More information about Nationwide, including its financial strength ratings, is </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">available by contacting Nationwide at the address and/or toll-free phone number indicated </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contacting the Service Center </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owners of variable annuities can lose money by investing in the contract, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">including loss of principal (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">No. </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">The contract is not a short-term investment and is not appropriate for an investor who </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">needs ready access to cash. Nationwide has designed the contract to offer features, </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">pricing, and investment options that encourage long-term ownership (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">A CDSC may apply for up to 5 years following the last purchase payment and could reduce </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the value of the contract if purchase payments are withdrawn during that time (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contingent Deferred Sales Charge</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). The benefits of tax deferral and living benefit </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">protections also mean that the contract is more beneficial to investors with a long time </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">horizon (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this contract is subject to the risk of poor investment performance. </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Investment experience can vary depending on the investment option(s) available under </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the contract. Currently, there is only one investment option available for direct allocation </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">by the </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option has its own unique risks. If the Contract Owner is not satisfied </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">with the available investment option or it does not meet their investment objectives, their </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">only course of action may be to surrender the contract and forego any of its benefits.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectus and disclosures for the available investment option before </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">making an investment decision.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the contract is subject to the risks associated with Nationwide, including that </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations, guarantees, or benefits are subject to the claims-paying ability of </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide. More information about Nationwide, including its financial strength ratings, is </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">available by contacting Nationwide at the address and/or toll-free phone number indicated </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Contacting the Service Center </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Currently, only a single Sub-Account is available under the contract for direct allocation </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">by the Contract Owner, and there are no alternative investment options available.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to add, remove, and substitute investment options </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">available under the contract (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Sub-Accounts and Underlying Mutual Funds</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">). If </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">the current </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Sub-Account is substituted for another Sub-Account, the substitute Sub-</span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Account</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will have a similar investment objective, investment strategy, and fees and </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">expenses.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The availability of investment options may vary depending on the broker-dealer through </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">which the contract is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix E: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Yes.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to discontinue offering any living benefit. Such a </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">discontinuance will only apply to new contracts and will not impact any contracts already </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">in force.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the investment options available for </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment with the living benefits.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● While withdrawals are not restricted, the impact of certain withdrawals could have a </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">negative impact on the amount of the benefit ultimately available.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Certain withdrawals could negatively impact the amount of the benefit by an amount </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">greater than the amount withdrawn and/or could terminate the living benefit.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● The availability of contract benefits may vary depending on the broker-dealer through </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">which the contract is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix E: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Benefits Under the Contract</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Consult with a tax professional to determine the tax implications of an investment in and </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">payments received under this contract.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the contract is purchased through a tax-qualified plan or IRA, there is no additional tax </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">deferral.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Earnings in the contract are taxed at ordinary income tax rates at the time of </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">withdrawals and there may be a tax penalty if withdrawals are taken before the Contract </span><span style="font-family:Arial;font-size:10pt;margin-left:10.16pt;">Owner reaches age 59½.</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix B: Contract Types and Tax Information.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some financial professionals receive compensation in the form of a commission for selling </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the contract. This conflict of interest may influence a financial professional, as these </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">financial professionals may have a financial incentive to offer or recommend this contract </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">over another investment (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Distribution, Promotional, and Sales Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">)</span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some financial professionals may have a financial incentive to offer an investor a new </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contract in place of the one he/she already owns. An investor should only exchange his/her </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contract if he/she determines, after comparing the features, fees, and risks of both </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contracts, and any fees or penalties to terminate the existing contract, that it is preferable </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">for him/her to purchase the new contract, rather than to continue to own the existing one </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Replacements</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </span><span style="font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Distribution, Promotional, and Sales Expenses</span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Fee Table </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The following tables describe the fees,</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">expenses, and adjustments that a Contract Owner will pay when buying, owning, and surrendering or making withdrawals from an investment option or from the contract. Please refer to the contract specifications page for information about the specific fees the Contract Owner will pay each year based on the options elected. </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The first table describes the fees and expenses a Contract Owner will pay at the time the Contract Owner buys the contract, surrenders or makes withdrawals from an investment option or from the contract. State premium taxes may also be deducted.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;line-height:10pt;"> </span><span style="font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:534pt;"> <tr style="height:10.75pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;vertical-align:Bottom;width:534pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span></div></div></td></tr> <tr style="height:10.75pt;"> <td style="background-color:azure;vertical-align:Bottom;width:506pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Maximum Contingent Deferred Sales Charge </span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">("CDSC") (as a percentage of purchase payments withdrawn)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:28pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:8pt;">Range of CDSC over time:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:6pt;width:480pt;"> <tr style="height:11.88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:264pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:0.57%;margin-right:2.27%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Number of Completed Years from Date of Purchase Payment</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">0</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">1</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">3</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">4</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:4.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">5+</span></div></div></div></td></tr> <tr style="height:11.88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">CDSC Percentage</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:26.5pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">0%</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that a Contract Owner will pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> during the time that the Contract Owner owns the contract (not including underlying mutual fund fees and expenses). If an optional benefit is elected, an additional charge may be assessed, as shown below. </span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:10pt;"> </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:534pt;"> <tr style="height:10.75pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;vertical-align:Bottom;width:534.00pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expense</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> (assessed as an annualized percentage of Daily Net Assets)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:40.51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Living Benefit Expenses</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(assessed annually as a percentage of the Current Income Benefit Base</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">)</span></div></div></td> <td style="vertical-align:Bottom;width:40.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:10.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:18pt;">Nationwide Retirement Income Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(included with all contracts)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:40.51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.30</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Throughout this prospectus, the Base Contract Expense will be referred to as Mortality and Expense Risk Charge.</span><span style="font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="font-family:Arial;font-size:9pt;">Unless otherwise indicated, charges for living benefits are only assessed prior to the Annuitization Date (see </span><span style="font-family:Arial;font-size:9pt;font-style:italic;">Charges and Adjustments</span><span style="font-family:Arial;font-size:9pt;">). </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">For information about how the Current Income Benefit Base is calculated, see the corresponding rider disclosures in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefits Under the Contract.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Contract Owner may pay periodically during the life of the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the contract, including their annual expenses, may be found in </span><span style="font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Appendix A: Investment Options Available Under the Contract</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">.</span><span style="font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:541pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:17.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:7.875pt;padding-top:2.375pt;vertical-align:Top;width:361pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:6.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:1.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:38.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:361pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.28</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.68</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Example </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">This Example is intended to help Contract Owners compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include transaction expenses, annual contract expenses, and underlying mutual fund expenses. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Example assumes: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a $100,000 investment in the contract for the time periods indicated; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">a 5% return each year; </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the maximum and the minimum annual underlying mutual fund expenses; and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Variable Account charges that reflect the most expensive combination of benefits available for a charge (2.20%).</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-2.75pt;">1</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Specifically, this includes any applicable charges for: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide Retirement Income Rider (included with all contracts), and </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Joint Option for the Nationwide Retirement Income Rider (optional benefit, currently available at no additional charge). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Although your actual costs may be higher or lower, based on these assumptions, your costs would be:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:30.38pt;"> <td style="vertical-align:Bottom;width:82.48pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td colspan="4" style="vertical-align:Bottom;width:161.07pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:2.79%;margin-right:2.79%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">If the contract is surrendered</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">at the end of the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">applicable time period</span></div></div></div></td> <td colspan="4" style="vertical-align:Bottom;width:145.89pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:3.08%;margin-right:3.08%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">If the contract is annuitized</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">at the end of the</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">applicable time period</span></div></div></div></td> <td colspan="4" style="vertical-align:Bottom;width:151.56pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:2.97%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">If the contract is</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">not surrendered</span></div></div></div></td></tr> <tr style="height:13.75pt;"> <td style="background-color:azure;vertical-align:Bottom;width:82.48pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:12.33%;margin-right:12.33%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">1 Yr.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">3 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">5 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">10 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:26.34pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:17.08%;margin-right:17.08%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">1 Yr.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:12.33%;margin-right:12.33%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">3 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">5 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">10 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:12.33%;margin-right:12.33%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">1 Yr.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:12.33%;margin-right:12.33%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">3 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:41.52pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:10.84%;margin-right:10.84%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">5 Yrs.</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:37.02pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:12.16%;margin-right:0%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">10 Yrs.</span></div></div></div></td></tr> <tr style="height:53.38pt;"> <td style="vertical-align:Bottom;width:82.48pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Maximum Annual </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Underlying </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Mutual Fund </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Expenses </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">(0.68%)</span></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">5,024</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">11,252</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">15,729</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">33,076</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:26.34pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:17.34pt;"> <div style="display:flex;margin:auto;width:5.5pt;"> <div style="display:flex;white-space:nowrap;width:5.5pt;"><span style="font-family:Arial;font-size:9pt;width:5.5pt;">*</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">9,252</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">15,729</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">33,076</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">3,024</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">9,252</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">15,729</span></div></div></div></td> <td style="vertical-align:Bottom;white-space:nowrap;width:37.02pt;"> <div style="line-height:10pt;margin-left:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">33,076</span></div></div></div></td></tr> <tr style="height:50pt;"> <td style="background-color:azure;vertical-align:Bottom;width:82.48pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Minimum Annual </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Underlying </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Mutual Fund </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">Expenses </span></div> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:9pt;">(0.28%)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">4,604</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">10,001</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">13,659</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">29,035</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:26.34pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:17.34pt;"> <div style="display:flex;margin:auto;width:5.5pt;"> <div style="display:flex;white-space:nowrap;width:5.5pt;"><span style="font-family:Arial;font-size:9pt;width:5.5pt;">*</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">8,001</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">13,659</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">29,035</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">2,604</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:36.51pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:27.51pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:29.51pt;">8,001</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:41.52pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">13,659</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;white-space:nowrap;width:37.02pt;"> <div style="line-height:10pt;margin-left:4.5pt;text-align:right;width:32.52pt;"> <div style="display:flex;margin:auto;width:34.52pt;"> <div style="display:flex;white-space:nowrap;width:34.52pt;"><span style="font-family:Arial;font-size:9pt;width:auto;">$</span><span style="font-family:Arial;font-size:9pt;width:34.52pt;">29,035</span></div></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The contracts sold under this prospectus do not permit annuitization during the first two Contract Years. </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">The total Variable Account charges associated with the most expensive allowable combination of benefits may be higher or lower depending on whether the Current Income Benefit Base is higher or lower than the Daily Net Assets. For purposes of this table, Nationwide assumes the Current Income Benefit Base is equal to the Daily Net Assets.</span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:534pt;"> <tr style="height:10.75pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;vertical-align:Bottom;width:534pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Transaction Expenses</span></div></div></td></tr> <tr style="height:10.75pt;"> <td style="background-color:azure;vertical-align:Bottom;width:506pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Maximum Contingent Deferred Sales Charge </span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">("CDSC") (as a percentage of purchase payments withdrawn)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:28pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:8pt;">Range of CDSC over time:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:6pt;width:480pt;"> <tr style="height:11.88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:264pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:0.57%;margin-right:2.27%;padding-bottom:1pt;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;">Number of Completed Years from Date of Purchase Payment</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">0</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">1</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">2</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">3</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:16.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">4</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:1.875pt;vertical-align:Bottom;width:36pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:16.67%;margin-right:4.17%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">5+</span></div></div></div></td></tr> <tr style="height:11.88pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;width:264pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">CDSC Percentage</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:6pt;text-align:right;width:24pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">2%</span></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:1.875pt;vertical-align:Top;white-space:nowrap;width:36pt;"> <div style="line-height:11pt;margin-left:6pt;margin-right:1.5pt;text-align:right;width:26.5pt;"> <div style="display:flex;margin:auto;width:15.0pt;"> <div style="display:flex;white-space:nowrap;width:15.0pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">0%</span></div></div></div></td></tr></table> 0.02 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that a Contract Owner will pay </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">each year</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> during the time that the Contract Owner owns the contract (not including underlying mutual fund fees and expenses). If an optional benefit is elected, an additional charge may be assessed, as shown below. </span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:10pt;"> </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:534pt;"> <tr style="height:10.75pt;"> <td colspan="2" style="border-bottom:0.5pt solid #000000;vertical-align:Bottom;width:534.00pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Annual Contract Expenses</span></div></div></td></tr> <tr style="height:11.25pt;"> <td style="background-color:azure;vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Base Contract Expense</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> (assessed as an annualized percentage of Daily Net Assets)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:40.51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">0.90</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr> <tr style="height:11pt;"> <td style="vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Living Benefit Expenses</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">2</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(assessed annually as a percentage of the Current Income Benefit Base</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">)</span></div></div></td> <td style="vertical-align:Bottom;width:40.51pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:10.5pt;"> <td style="background-color:azure;vertical-align:Bottom;width:493.49pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:18pt;">Nationwide Retirement Income Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(included with all contracts)</span></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:40.51pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:4pt;margin-right:7pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">1.30</span><span style="color:#000000;font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">1</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Throughout this prospectus, the Base Contract Expense will be referred to as Mortality and Expense Risk Charge.</span><span style="font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">2</span><span style="font-family:Arial;font-size:9pt;">Unless otherwise indicated, charges for living benefits are only assessed prior to the Annuitization Date (see </span><span style="font-family:Arial;font-size:9pt;font-style:italic;">Charges and Adjustments</span><span style="font-family:Arial;font-size:9pt;">). </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">For information about how the Current Income Benefit Base is calculated, see the corresponding rider disclosures in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefits Under the Contract.</span> 0.0090 0.0130 <span style="color:#000000;font-family:Arial;font-size:9pt;">Throughout this prospectus, the Base Contract Expense will be referred to as Mortality and Expense Risk Charge.</span> <span style="font-family:Arial;font-size:9pt;">Unless otherwise indicated, charges for living benefits are only assessed prior to the Annuitization Date (see </span><span style="font-family:Arial;font-size:9pt;font-style:italic;">Charges and Adjustments</span><span style="font-family:Arial;font-size:9pt;">). </span><span style="color:#000000;font-family:Arial;font-size:5.5pt;position:relative;top:-2.5pt;">3</span><span style="color:#000000;font-family:Arial;font-size:9pt;">For information about how the Current Income Benefit Base is calculated, see the corresponding rider disclosures in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;">Benefits Under the Contract.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15pt;"> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:541pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Annual Underlying Mutual Fund Expenses</span></div></div></td></tr> <tr style="height:17.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:7.875pt;padding-top:2.375pt;vertical-align:Top;width:361pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:6.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Minimum</span></div></div></div></td> <td style="padding-bottom:1.875pt;padding-top:2.375pt;vertical-align:Top;width:90pt;"> <div style="line-height:11.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:6.67%;margin-right:1.67%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:8pt;font-weight:bold;">Maximum</span></div></div></div></td></tr> <tr style="height:38.38pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:361pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.28</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:4.065pt;vertical-align:Middle;width:90pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.68</span><span style="font-family:Arial;font-size:9pt;">%</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">(Expenses that are deducted from underlying mutual fund assets, including </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">management fees, distribution and/or service (12b-1) fees, and other expenses, as a </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">percentage of average underlying mutual fund net assets.)</span> 0.0028 0.0068 5024 11252 15729 33076 9252 15729 33076 3024 9252 15729 33076 4604 10001 13659 29035 8001 13659 29035 2604 8001 13659 29035 <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Principal Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract Owners should be aware of the following risks associated with owning the contract: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of loss.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Sub-Accounts invest in underlying mutual funds. Underlying mutual funds are variable investments, meaning their value will increase or decrease based on the performance of their portfolio holdings. Poor underlying mutual fund performance can result in a loss of Contract Value and/or principal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Not a short-term investment.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> In general, deferred variable annuities are long-term investments; they are not suitable as short-term savings vehicles. Nationwide has designed the contract to offer features, pricing, and investment options that encourage long-term ownership. Specifically: </span><span style="font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="font-family:Arial;font-size:10pt;">A Contract Owner who takes withdrawals from the contract within five years of purchasing the contract could be subject to a CDSC, which in the short-term will reduce Contract Value or the amount payable to you, and in the long-term will reduce the ability of the Contract Value to grow over time. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract Owner who takes withdrawals from the contract before reaching age 59 1/2 could be subject to tax penalties that are mandated by the federal tax laws. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Living benefits are designed to offer greater payouts the longer that the contract is in force. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Living benefits are designed to discourage Early Withdrawals and/or excess withdrawals by reducing the benefit base (which determines the overall benefit amount). Those reductions could result in the forfeiture of benefits in an amount greater than what was actually withdrawn. Furthermore, such withdrawals could result in a complete forfeiture of the benefit or could cause the contract to terminate without value.</span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">Investment option availability. </span><span style="font-family:Arial;font-size:10pt;">Nationwide reserves the right to change the Sub-Accounts available under the contract, including adding new Sub-Accounts, discontinuing availability of Sub-Accounts, and substituting underlying mutual funds for Sub-Accounts. Decisions to make such changes are at Nationwide’s discretion but will be in accordance with Nationwide’s internal policies and procedures relating to such matters. Any changes to the availability of Sub-Accounts may be subject to regulatory approval and notice will be provided.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Financial strength.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Contractual guarantees that exceed the value of the assets in the Variable Account (including death benefit guarantees that exceed the Contract Value, and Lifetime Withdrawals that continue after the Contract Value falls to zero) are paid from Nationwide’s general account, which is subject to Nationwide’s financial strength and claims-paying ability. If Nationwide experiences financial distress, it may not be able to meet its obligations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Regulatory risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The contract is governed by various state and federal laws and regulations, which are subject to change. Those changes could require Nationwide to make changes to the contract that alter the nature or value of certain benefits. Additionally, changes to the tax laws or regulations could limit or eliminate the tax benefits of the contract, resulting in greater tax liability or less earnings.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Cybersecurity</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Nationwide’s businesses are highly dependent upon its computer systems and those of its business partners and service providers. This makes Nationwide potentially susceptible to operational and information security risks resulting from a cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption, and destruction of data maintained by Nationwide, and indirect risks, such as denial of service, attacks on systems or websites and other operational disruptions that could severely impede Nationwide’s ability to conduct its businesses or administer the contract (e.g., calculate unit values or process transactions). </span><span style="font-family:Arial;font-size:10pt;">Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The techniques used to attack systems and networks change frequently</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and are becoming more sophisticated, including through the use of artificial intelligence</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">(AI)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and AI-powered tools. </span><span style="font-family:Arial;font-size:10pt;">Cyber-attacks affecting Nationwide, the underlying mutual funds, intermediaries, and other service providers may adversely affect Nationwide and contract values. Cybersecurity risks may also impact the issuers of securities in which the underlying mutual funds invest, which may cause the underlying mutual funds to lose value. Although Nationwide undertakes substantial efforts to protect its computer systems from cyber-attacks, there can be no guarantee that Nationwide, its service providers, intermediaries, or the underlying mutual funds will be able to avoid or readily detect cybersecurity incidents affecting Contract Owners in the future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event that contract administration or contract values are adversely affected as a result of a failure of Nationwide’s cybersecurity controls, Nationwide will take reasonable steps to take corrective action and restore Contract Values to the levels that they would have been had the cybersecurity incident not occurred. Nationwide will not, however, be responsible for any adverse impact to contracts or contract values that result from the Contract Owner or its designee’s negligent acts or failure to use reasonably appropriate safeguards to protect against cyber-attacks or to protect personal information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Business continuity risks. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide is exposed to risks related to natural and man-made disasters, such as storms, fires, earthquakes, public health crises, geopolitical disputes, military actions, and terrorist acts, which could adversely affect Nationwide’s ability to administer the contract. Nationwide has adopted business continuity policies and procedures that may be implemented in the event of a natural or man-made disaster, but such business continuity plans may not operate as intended or fully mitigate the operational risks associated with such disasters. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While Nationwide closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond Nationwide’s control. If one or more of the third parties to whom Nationwide outsources such critical business functions experience operational failures, Nationwide’s ability to administer the contract could be impaired.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of loss.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Sub-Accounts invest in underlying mutual funds. Underlying mutual funds are variable investments, meaning their value will increase or decrease based on the performance of their portfolio holdings. Poor underlying mutual fund performance can result in a loss of Contract Value and/or principal.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Not a short-term investment.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> In general, deferred variable annuities are long-term investments; they are not suitable as short-term savings vehicles. Nationwide has designed the contract to offer features, pricing, and investment options that encourage long-term ownership. Specifically: </span><span style="font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="font-family:Arial;font-size:10pt;">A Contract Owner who takes withdrawals from the contract within five years of purchasing the contract could be subject to a CDSC, which in the short-term will reduce Contract Value or the amount payable to you, and in the long-term will reduce the ability of the Contract Value to grow over time. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract Owner who takes withdrawals from the contract before reaching age 59 1/2 could be subject to tax penalties that are mandated by the federal tax laws. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Living benefits are designed to offer greater payouts the longer that the contract is in force. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Living benefits are designed to discourage Early Withdrawals and/or excess withdrawals by reducing the benefit base (which determines the overall benefit amount). Those reductions could result in the forfeiture of benefits in an amount greater than what was actually withdrawn. Furthermore, such withdrawals could result in a complete forfeiture of the benefit or could cause the contract to terminate without value.</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;">Investment option availability. </span><span style="font-family:Arial;font-size:10pt;">Nationwide reserves the right to change the Sub-Accounts available under the contract, including adding new Sub-Accounts, discontinuing availability of Sub-Accounts, and substituting underlying mutual funds for Sub-Accounts. Decisions to make such changes are at Nationwide’s discretion but will be in accordance with Nationwide’s internal policies and procedures relating to such matters. Any changes to the availability of Sub-Accounts may be subject to regulatory approval and notice will be provided.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Financial strength.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Contractual guarantees that exceed the value of the assets in the Variable Account (including death benefit guarantees that exceed the Contract Value, and Lifetime Withdrawals that continue after the Contract Value falls to zero) are paid from Nationwide’s general account, which is subject to Nationwide’s financial strength and claims-paying ability. If Nationwide experiences financial distress, it may not be able to meet its obligations.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Regulatory risk.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The contract is governed by various state and federal laws and regulations, which are subject to change. Those changes could require Nationwide to make changes to the contract that alter the nature or value of certain benefits. Additionally, changes to the tax laws or regulations could limit or eliminate the tax benefits of the contract, resulting in greater tax liability or less earnings.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Cybersecurity</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Nationwide’s businesses are highly dependent upon its computer systems and those of its business partners and service providers. This makes Nationwide potentially susceptible to operational and information security risks resulting from a cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption, and destruction of data maintained by Nationwide, and indirect risks, such as denial of service, attacks on systems or websites and other operational disruptions that could severely impede Nationwide’s ability to conduct its businesses or administer the contract (e.g., calculate unit values or process transactions). </span><span style="font-family:Arial;font-size:10pt;">Financial services companies and their third-party service providers are increasingly the targets of cyber-attacks.</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">The techniques used to attack systems and networks change frequently</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and are becoming more sophisticated, including through the use of artificial intelligence</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">(AI)</span><span style="font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="font-family:Arial;font-size:10pt;">and AI-powered tools. </span><span style="font-family:Arial;font-size:10pt;">Cyber-attacks affecting Nationwide, the underlying mutual funds, intermediaries, and other service providers may adversely affect Nationwide and contract values. Cybersecurity risks may also impact the issuers of securities in which the underlying mutual funds invest, which may cause the underlying mutual funds to lose value. Although Nationwide undertakes substantial efforts to protect its computer systems from cyber-attacks, there can be no guarantee that Nationwide, its service providers, intermediaries, or the underlying mutual funds will be able to avoid or readily detect cybersecurity incidents affecting Contract Owners in the future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event that contract administration or contract values are adversely affected as a result of a failure of Nationwide’s cybersecurity controls, Nationwide will take reasonable steps to take corrective action and restore Contract Values to the levels that they would have been had the cybersecurity incident not occurred. Nationwide will not, however, be responsible for any adverse impact to contracts or contract values that result from the Contract Owner or its designee’s negligent acts or failure to use reasonably appropriate safeguards to protect against cyber-attacks or to protect personal information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Business continuity risks. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide is exposed to risks related to natural and man-made disasters, such as storms, fires, earthquakes, public health crises, geopolitical disputes, military actions, and terrorist acts, which could adversely affect Nationwide’s ability to administer the contract. Nationwide has adopted business continuity policies and procedures that may be implemented in the event of a natural or man-made disaster, but such business continuity plans may not operate as intended or fully mitigate the operational risks associated with such disasters. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While Nationwide closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond Nationwide’s control. If one or more of the third parties to whom Nationwide outsources such critical business functions experience operational failures, Nationwide’s ability to administer the contract could be impaired.</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Benefits Under the Contract </span><span style="font-family:Arial;font-size:10pt;font-weight:bold;">The following tables summarize information about the benefits under the contract.</span><span style="font-family:Arial;font-size:10pt;"> The Standard Benefits table indicates the benefits that are available under the contract and for which there is no additional charge. The Optional Benefits table indicates the benefits that are (or were) available under the contract that are optional – they must be affirmatively elected by the applicant and may have an additional charge. The availability of contract benefits may vary depending on the broker-dealer through which the contract is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix E: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">). </span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Standard Benefits Table</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:45.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Return of Premium)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death of Annuitant prior </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to Annuitization</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may limit purchase payments to </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$1,000,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death benefit calculation is adjusted if purchase </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payments exceed $3,000,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:202pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spousal Protection </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Feature</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Second death benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● One or both spouses (or a revocable trust of which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">either or both of the spouses is/are grantor(s)) must </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">be named as the Contract Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● For contracts issued as an IRA or Roth IRA, only </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the person for whom the IRA or Roth IRA was </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">established may be named as the Contract Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to Contract Owner’s spouse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be Co-Annuitants</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Both spouses must be 80 or younger at contract </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">issuance</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be named as beneficiaries</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No other person may be named as Contract Owner, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant, or primary beneficiary</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Contract Owner requests to add a Co-</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant after contract issuance, the date of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">marriage must be after the contract issue date and </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Nationwide will require the Contract Owner to </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">provide a copy of the marriage certificate</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.30</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Current </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base)</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Guaranteed income stream is not available until the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determining life is age 59 ½ or older</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not available for beneficially owned contracts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available investment options</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life must be between 50 and 80 at </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life cannot be changed</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Restrictions exist on the parties named to the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">contract</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Optional Benefits Table</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Joint Option for the </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed lifetime </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">spouse</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Current </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base)</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Guaranteed income stream is not available until </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">both spouses are age 59 ½ or older</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Limitations on revocability</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not available for beneficially owned contracts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available investment options</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to Contract Owner’s spouse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Both spouses must be between 50 and 80 when </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">elected</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Restrictions exist on the parties named to the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">contract</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:45.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Return of Premium)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death of Annuitant prior </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to Annuitization</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may limit purchase payments to </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$1,000,000</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death benefit calculation is adjusted if purchase </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payments exceed $3,000,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:26.5pt;"> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Purpose</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fee</span></div></div></td> <td style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Brief Description of Restrictions/Limitations</span></div></div></td></tr> <tr style="height:202pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spousal Protection </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Feature</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Second death benefit</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● One or both spouses (or a revocable trust of which </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">either or both of the spouses is/are grantor(s)) must </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">be named as the Contract Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● For contracts issued as an IRA or Roth IRA, only </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the person for whom the IRA or Roth IRA was </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">established may be named as the Contract Owner</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to Contract Owner’s spouse</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be Co-Annuitants</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Both spouses must be 80 or younger at contract </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">issuance</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be named as beneficiaries</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No other person may be named as Contract Owner, </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant, or primary beneficiary</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Contract Owner requests to add a Co-</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant after contract issuance, the date of </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">marriage must be after the contract issue date and </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Nationwide will require the Contract Owner to </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">provide a copy of the marriage certificate</span></div></div></td></tr> <tr style="height:122.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:114pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:66pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.30</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Current </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Base)</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:246.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Guaranteed income stream is not available until the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determining life is age 59 ½ or older</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit is irrevocable</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not available for beneficially owned contracts</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available investment options</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life must be between 50 and 80 at </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life cannot be changed</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Restrictions exist on the parties named to the </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">contract</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(Return of Premium)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death benefit upon </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death of Annuitant prior </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to Annuitization</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide may limit purchase payments to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">$1,000,000</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Death benefit calculation is adjusted if purchase </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">payments exceed $3,000,000 </span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Spousal Protection </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Feature</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Second death benefit</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● One or both spouses (or a revocable trust of which </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">either or both of the spouses is/are grantor(s)) must </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">be named as the Contract Owner</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● For contracts issued as an IRA or Roth IRA, only </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">the person for whom the IRA or Roth IRA was </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">established may be named as the Contract Owner</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to Contract Owner’s spouse</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be Co-Annuitants</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Both spouses must be 80 or younger at contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">issuance</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Spouses must be named as beneficiaries</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● No other person may be named as Contract Owner, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant, or primary beneficiary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● If the Contract Owner requests to add a Co-</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Annuitant after contract issuance, the date of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">marriage must be after the contract issue date and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Nationwide will require the Contract Owner to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">provide a copy of the marriage certificate</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed lifetime </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream</span> 0.0130 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Guaranteed income stream is not available until the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">determining life is age 59 ½ or older</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Benefit is irrevocable</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not available for beneficially owned contracts</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available investment options</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life must be between 50 and 80 at </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">application</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Determining life cannot be changed</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Restrictions exist on the parties named to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">contract</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Joint Option for the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide Retirement </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Extension of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guaranteed lifetime </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">income stream for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">spouse</span> 0.0000 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Guaranteed income stream is not available until </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">both spouses are age 59 ½ or older</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Limitations on revocability</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not available for beneficially owned contracts</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Nationwide reserves the right to limit or restrict the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available investment options</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only available to Contract Owner’s spouse</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Both spouses must be between 50 and 80 when </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">elected</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Restrictions exist on the parties named to the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">contract</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Standard Death Benefit (Return of Premium)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Annuitant dies prior to the Annuitization Date and the total of all purchase payments made to the contract is less than or equal to $3,000,000, the death benefit will be the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Contract Value; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the total of all purchase payments, less an adjustment for amounts withdrawn.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Any adjustment for amounts withdrawn will reduce the applicable factor above in the same proportion that the Contract Value was reduced on the date(s) of the partial withdrawal(s). All withdrawals, including Lifetime Withdrawals, will reduce the death benefit.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:46.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">standard death benefit. On the date of Ms. P’s death, her Contract Value = $74,000 and her </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">total purchase payments (adjusted for amounts withdrawn) = $76,000. The death benefit for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ms. P’s contract will equal $76,000.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Annuitant dies prior to the Annuitization Date and the total of all purchase payments made to the contract is greater than $3,000,000, the death benefit will be determined using the following formula:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:18pt;"> <td colspan="4" style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:541pt;"> <div style="line-height:11pt;text-align:left;"> <div style="text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(A x F) + B(1 - F), where</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">A</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">=</span></div></div></td> <td colspan="2" style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:508pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">the greater of:</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:15pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(1)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:490pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">the Contract Value; or</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:15pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">(2)</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:490pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">the total of all purchase payments, less an adjustment for amounts withdrawn.</span></div></div></td></tr> <tr style="height:18pt;"> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">B</span></div></div></td> <td style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">=</span></div></div></td> <td colspan="2" style="padding-bottom:6pt;padding-top:6pt;vertical-align:Top;width:508pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">the Contract Value; and</span></div></div></td></tr> <tr style="height:14pt;"> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">F</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">=</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:6pt;vertical-align:Top;width:508pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">the ratio of $3,000,000 to the total of all purchase payments made to the contract.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Any adjustment for amounts withdrawn will reduce the applicable factor above in the same proportion that the Contract Value was reduced on the date(s) of the partial withdrawal(s). All withdrawals, including Lifetime Withdrawals, will reduce the death benefit.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The practical effect of this formula is that, in down markets, the beneficiary recovers a lesser percentage of purchase payments in excess of $3,000,000 than for purchase payments up to $3,000,000. In up markets, the formula is less likely to have a negative effect. In no event will the beneficiary receive less than the Contract Value.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:61pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On June 1, which is before her Annuitization Date, Ms. P passes away. The standard death </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit applies. Ms. P’s total purchase payments = $4,500,000. On the date of Ms. P’s </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death, her Contract Value = $3,500,000, her total purchase payments (adjusted for amounts </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">withdrawn) = $4,000,000, and F = $3,000,000 / $4,500,000 or 0.667. The death benefit for </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ms. P’s contract is determined as follows:</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(A x F) + B(1 - F), which is</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">($4,000,000 x 0.667) + $3,500,000(1 - 0.667), which is</span></div></div></td></tr> <tr style="height:17pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$2,666,667 + $1,165,500</span></div></div></td></tr> <tr style="height:13.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The death benefit for Ms. P’s contract is $3,832,167.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">The standard death benefit (Return of Premium) also includes the Spousal Protection Feature, which allows a surviving spouse to continue the contract while receiving the economic benefit of the death benefit upon the death of the other spouse.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Spousal Protection Feature </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The standard death benefit includes a Spousal Protection Feature at no additional charge. The Spousal Protection Feature allows a surviving spouse to continue the contract while receiving the economic benefit of the death benefit upon the death of the other spouse, provided the conditions described below are satisfied:</span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner. For contracts issued as an IRA or Roth IRA, only the person for whom the IRA or Roth IRA was established may be named as the Contract Owner; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The spouses must be Co-Annuitants; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Both spouses must be age 80 or younger at the time the contract is issued; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Both spouses must be named as beneficiaries; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No person other than the spouse may be named as Contract Owner, Annuitant, or primary beneficiary; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If both spouses are alive upon annuitization, the Contract Owner must specify which spouse is the Annuitant upon whose continuation of life any annuity payments involving life contingencies depend (for an IRA or Roth IRA contract, this person must be the Contract Owner); and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Owner requests to add a Co-Annuitant after contract issuance, the date of marriage must be after the contract issue date and Nationwide will require the Contract Owner to provide a copy of the marriage certificate. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a Co-Annuitant dies before the Annuitization Date, the surviving spouse may continue the contract as its sole Contract Owner. Additionally, if the death benefit value is higher than the Contract Value at the time of the first Co-Annuitant's death, Nationwide will adjust the Contract Value to equal the death benefit value. The surviving Co-Annuitant may then name a new beneficiary but may not name another Co-Annuitant. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the marriage of the Co-Annuitants terminates due to the death of a spouse, divorce, dissolution, or annulment, the Spousal Protection Feature terminates and the Contract Owner is not permitted to cover a subsequent spouse.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:39pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On June 1, which is before her Annuitization Date, Ms. P passes away. Her death benefit </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">contains the Spousal Protection Feature. The death benefit on Ms. P’s contract equals </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$74,000.</span></div></div></td></tr> <tr style="height:79.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ms. P was married to Mr. P at the time of her death. Under the Spousal Protection Feature, </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assuming all conditions were met, Mr. P has the option, instead of receiving the $74,000 </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">death benefit, to continue the contract as if it were his own. If he elects to do so, the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Value, if it is lower than $74,000, will be adjusted to equal the $74,000 death </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">benefit. From that point forward, the contract will be his and all provisions of the contract </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">apply. Upon Mr. P’s death, his beneficiary will then receive a death benefit equal to the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">elected death benefit under the contract.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">The Spousal Protection Feature may not apply if the Contract Owner changes the beneficiary. Contract Owners contemplating changes to their beneficiary should contact their financial professional to determine how the changes impact the Spousal Protection Feature.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">After receiving the benefit associated with the Spousal Protection Feature, no CDSC will apply to purchase payments applied to the contract before the death of the first spouse.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Nationwide Retirement Income Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the date the determining life reaches age 59½ (or if the Joint Option is elected, the date the younger spouse reaches age 59½), the Nationwide Retirement Income Rider provides for Lifetime Withdrawals, up to a certain amount each calendar year, even after the Contract Value is $0, provided that the Contract Owner does not deplete the Current Income Benefit Base by taking Early Withdrawals, a Non-Lifetime Withdrawal, or excess withdrawals. The age of the person upon which the benefit depends (the "determining life") must be between 50 and 80 years old at the time of application. For most contracts, the determining life is that of the Contract Owner. For those contracts where the Contract Owner is a non-natural person, for purposes of this option, the determining life is that of the Annuitant, and all references in this option to "Contract Owner" shall mean Annuitant. If, in addition to the Annuitant, a Co-Annuitant or joint annuitant has been elected, the determining life will be that of the primary Annuitant as named on the application. The determining life may not be changed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Availability </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Nationwide Retirement Income Rider is issued with all contracts and is irrevocable. The Nationwide Retirement Income Rider is not available on beneficially owned contracts – those contracts that are inherited by a beneficiary and the beneficiary continues to hold the contract as a beneficiary (as opposed to treating the contract as his/her own) for tax purposes. However, if such contract becomes beneficially owned by the spouse of the Contract Owner, and the Joint Option for the Nationwide Retirement Income Rider is elected, then the spouse may keep the Nationwide Retirement Income Rider. However, once a contract becomes beneficially owned, the contract will not receive the benefit of the RMD privilege discussed later in this section. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Rider Charge </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In exchange for Lifetime Withdrawals, Nationwide will assess an annual charge of 1.30% of the Current Income Benefit Base. The charge for the Nationwide Retirement Income Rider will not change for contracts once issued. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The charge will be assessed on each Contract Anniversary and will be deducted via redemption of Accumulation Units. The charge will be assessed until annuitization. A prorated charge will be deducted at annuitization and also upon full surrender of the contract. Accumulation Units will be redeemed proportionally from each Sub-Account in which the Contract Owner is invested at the time the charge is taken. Amounts redeemed as the Nationwide Retirement Income Rider charge will not negatively impact calculations associated with other benefits elected or available under the contract, will not be subject to a CDSC, and will not reduce amounts available under the CDSC-free withdrawal privilege. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Investment Restrictions </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Currently, there are no restrictions on available investment options with the Nationwide Retirement Income Rider. However, Nationwide reserves the right to limit or restrict investment options with the Nationwide Retirement Income Rider and require that the Contract Owner, until annuitization, allocate the entire Contract Value to a limited set of investment options then currently available in the contract or subject to applicable allocation limitations. Contract Owners will be notified of any change in investment restrictions by way of a supplement to the prospectus. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Subsequent Purchase Payments </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subsequent purchase payments, as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Minimum Initial and Subsequent Purchase Payments</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, are permitted under the Nationwide Retirement Income Rider as long as the Contract Value is greater than $0. Any subsequent purchase payments will increase the Current Income Benefit Base by the amount of the purchase payment submitted.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Rate Sheet Supplements for the Nationwide Retirement Income Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts with applications signed on or after the date of the prospectus, the Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages are disclosed in the Rate Sheet Supplement that is attached to the front of this prospectus delivered to you. In order to receive the applicable Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages stated in a Rate Sheet Supplement, the application must be signed and received in good order by Nationwide within the period during which that Rate Sheet Supplement remains in effect. The Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages applicable in time periods other than the time period when the application is signed are not applicable to the contract. However, as described in the Rate Sheet Supplement, in the event of an intervening Rate Sheet Supplement that increases the applicable Roll-up Interest Rate and/or Lifetime Withdrawal Percentages after the date the application is signed, the new Rate Sheet Supplement in effect on the date the contract is issued may be applied to the contract. Nationwide reserves the right to change the Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages at any time; however, Nationwide will not change the Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages for contracts once issued. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">You should not purchase the contract without first obtaining the applicable Rate Sheet Supplement that contains the Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages that are applicable at the time</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. All Rate Sheet Supplements are available by contacting the Service Center, and also are available at https://nationwide.onlineprospectus.net/NW/vaproducts/ or on the SEC’s EDGAR system at www.sec.gov (file number: 333-272927).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts with applications signed prior to the date of the prospectus, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix D: Historical Rates, Periods, and Percentages.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Automatic Termination of the Nationwide Retirement Income Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon termination of the Nationwide Retirement Income Rider, Nationwide will no longer assess the charge associated with the option, and all benefits associated with the Nationwide Retirement Income Rider will terminate. In the following instances, the Nationwide Retirement Income Rider will automatically terminate: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">When withdrawals are taken in excess of the Lifetime Withdrawal Amount that reduce the Current Income Benefit Base to $0; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">On the Annuitization Date; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon the death of the determining life for contracts with no Joint Option; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">A full surrender of the contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Other Important Considerations </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Nationwide Retirement Income Rider is designed for those intending to take Lifetime Withdrawals. The benefit of the Nationwide Retirement Income Rider will be reduced, potentially significantly, if the Contract Owner takes Early Withdrawals, excess withdrawals, or a Non-Lifetime Withdrawal. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other important considerations include the following: </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The chance of outliving Contract Value and receiving Lifetime Withdrawals from Nationwide may be reduced due to the limited investment options available under the contract. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Value is greater than $0, then Lifetime Withdrawals are paid from the Contract Owner’s Contract Value. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Value is equal to $0, then Lifetime Withdrawals are paid form Nationwide’s General Account. </span><span style="color:#000000;font-family:Arial;font-size:13pt;position:relative;top:1pt;">•</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Lifetime Withdrawals paid from the General Account are subject to Nationwide’s creditors and ultimately, its overall claims paying ability.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Determination of the Income Benefit Base Prior to the First Lifetime Withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon contract issuance, the Original Income Benefit Base is equal to the Contract Value. Thereafter, Nationwide tracks, on a continuous basis, the Current Income Benefit Base which is used to calculate the benefit amount. The Current Income Benefit Base from the date of contract issuance until the first Lifetime Withdrawal will reflect any additional purchase payments, Early Withdrawals, and if elected, a Non-Lifetime Withdrawal, as described below. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Roll-up Interest Rate and Roll-up Crediting Period (discussed herein) are disclosed in the Rate Sheet Supplement that is attached to the front of this prospectus delivered to you. For additional information on Rate Sheet Supplements, see above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Provided no withdrawals are taken from the contract, the Current Income Benefit Base for the Nationwide Retirement Income Rider will equal the greater of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Highest Contract Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the highest Contract Value on any Contract Anniversary; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Roll-up Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the roll-up amount, which is equal to the sum of the following calculations: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Original Income Benefit Base with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Original Income Benefit Base, plus the Roll-up Interest Rate based on the Original Income Benefit Base for each Contract Anniversary up to and including the Contract Anniversary after the Roll-up Crediting Period; plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Subsequent Purchase Payments with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: any purchase payments submitted after contract issuance, increased by simple interest at an annual rate of the Roll-up Interest Rate each year from the date the subsequent purchase payments are applied through the Contract Anniversary after the Roll-up Crediting Period.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:101.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mr. J purchased a contract with the Nationwide Retirement Income Rider. At the time of </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">purchase, his Contract Value and Original Income Benefit Base are $100,000 and he has no </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">subsequent purchase payments. On the 10th Contract Anniversary, assume Mr. J has not </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">taken any Early Withdrawals or a Non-Lifetime Withdrawal and his highest Contract Value </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">on any Contract Anniversary was $145,000. Therefore, his Current Income Benefit Base on </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the 10th Contract Anniversary would be the greater of $145,000 or the roll-up value. </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assuming his Roll-up Interest Rate was 5%, then his roll-up value of $150,000 [($100,000 </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">+(($100,000 x 5%) x 10)] would be greater and as a result become his Current Income </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Base.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Early Withdrawal is taken on or before the Contract Anniversary after the Roll-up Crediting Period, the Current Income Benefit Base for the Nationwide Retirement Income Rider will equal the greatest of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Current Income Benefit Base</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Current Income Benefit Base immediately before the Early Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Early Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Highest Contract Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the highest Contract Value on any Contract Anniversary on or after the Early Withdrawal; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Roll-up Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the adjusted roll-up amount, which is equal to the sum of the following calculations: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Roll-up Income Benefit Base with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Adjusted Roll-up Income Benefit Base, plus the Roll-up Interest Rate based on the Adjusted Roll-up Income Benefit Base for each Contract Anniversary up to and including the Contract Anniversary after the Roll-up Crediting Period; plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Subsequent Purchase Payments with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: any purchase payments submitted before the Early Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Early Withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;">section, increased by simple interest at an annual rate of the Roll-up Interest Rate each year from the date the subsequent purchase payments are applied through the Contract Anniversary after the Roll-up Crediting Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If an Early Withdrawal is taken after the Contract Anniversary after the Roll-up Crediting Period, the Current Income Benefit Base for the Nationwide Retirement Income Rider will equal the greatest of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Current Income Benefit Base: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Current Income Benefit Base immediately before the Early Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Early Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Roll-up Value: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the adjusted roll-up amount, which is equal to the Adjusted Roll-up Income Benefit Base, plus the Roll-up Interest Rate based on the Adjusted Roll-up Income Benefit Base for each Contract Anniversary up to and including the Contract Anniversary after the Roll-up Crediting Period; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Highest Contract Value:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> the highest Contract Value on any Contract Anniversary after the Contract Anniversary after the Roll-up Crediting Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a Non-Lifetime Withdrawal is taken on or before the Contract Anniversary after the Roll-up Crediting Period, the Current Income Benefit Base for the Nationwide Retirement Income Rider will equal the greatest of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Current Income Benefit Base</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Current Income Benefit Base immediately before the Non-Lifetime Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Non-Lifetime Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Highest Contract Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the highest Contract Value on any Contract Anniversary on or after the Non-Lifetime Withdrawal; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Roll-up Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the adjusted roll-up amount, which is equal to the sum of the following calculations: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Roll-up Income Benefit Base with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Adjusted Roll-up Income Benefit Base, plus the Roll-up Interest Rate based on the Adjusted Roll-up Income Benefit Base for each Contract Anniversary up to and including the Contract Anniversary after the Roll-up Crediting Period; plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Subsequent Purchase Payments with Roll-up: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">any purchase payments submitted before the Non-Lifetime Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Non-Lifetime Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section, increased by simple interest at an annual rate of the Roll-up Interest Rate each year from the date the subsequent purchase payments are applied through the Contract Anniversary after the Roll-up Crediting Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a Non-Lifetime Withdrawal is taken after the Contract Anniversary after the Roll-up Crediting Period, the Current Income Benefit Base for the Nationwide Retirement Income Rider will equal the greatest of: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Current Income Benefit Base</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Current Income Benefit Base immediately before the Non-Lifetime Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Non-Lifetime Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Roll-up Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the adjusted roll-up amount, which is equal to the sum of the following calculations: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(a)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Adjusted Roll-up Income Benefit Base with Roll-up</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the Adjusted Roll-up Income Benefit Base, plus the Roll-up Interest Rate based on the Adjusted Roll-up Income Benefit Base for each Contract Anniversary up to and including the Contract Anniversary after the Roll-up Crediting Period; plus </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(b)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Subsequent Purchase Payments with Roll-up: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">any purchase payments submitted before the Non-Lifetime Withdrawal, proportionally reduced as described in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Non-Lifetime Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section, increased by simple interest at an annual rate of the Roll-up Interest Rate each year from the date the subsequent purchase payments are applied through the Contract Anniversary after the Roll-up Crediting Period; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Highest Contract Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;">: the highest Contract Value on any Contract Anniversary after the Contract Anniversary after the Roll-up Crediting Period. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For any subsequent purchase payments, simple interest is calculated using a prorated method based upon the number of days from the date of the purchase payment to the next Contract Anniversary. If at any time prior to the first Lifetime Withdrawal the Contract Value equals $0, no additional purchase payments will be accepted and no further benefit base calculations will be made. The Current Income Benefit Base will be set equal to the benefit base calculated on the most recent Contract Anniversary minus adjustments made for excess withdrawals after that date, and the Lifetime Withdrawal Amount will be based on that Current Income Benefit Base. The roll-up is only calculated for the duration of the Roll-up Crediting Period or prior to the first Lifetime Withdrawal, whichever comes first. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Early Withdrawals </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Prior to the Lifetime Withdrawal Eligibility Date, the Contract Owner may request one or more withdrawals (each an "Early Withdrawal"). Early Withdrawals will not lock in the Lifetime Withdrawal Percentage and will not stop the simple interest roll-up (the Roll-up Interest Rate). However, an Early Withdrawal will reduce the Current Income Benefit Base, and consequently, the Lifetime Withdrawal Amount calculated for subsequent years. As with all withdrawals, Early Withdrawals will reduce the Contract Value and death benefit. In addition, it will be subject to the CDSC provisions of the contract. Early Withdrawals are not available on or after the Lifetime Withdrawal Eligibility Date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">An Early Withdrawal will cause a reduction to three factors used to calculate the Lifetime Withdrawal Amount: (1) the Current Income Benefit Base; (2) the Original Income Benefit Base (resulting in the Adjusted Roll-up Income Benefit Base); and (3) subsequent purchase payments applied before the Early Withdrawal. All three factors are reduced by a figure representing a proportional amount of the withdrawal, as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:24.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:121.13pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to Current Income</span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.21%;margin-right:4.21%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Early Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:170.09pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit Base</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">prior to the Early Withdrawal</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Early</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:24.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:121.85pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to Original Income </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.21%;margin-right:4.21%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Early Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:169.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Original Income Benefit Base</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Early</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:24.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:116.32pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to subsequent </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">purchase payments applied </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">before the Early Withdrawal</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.21%;margin-right:4.21%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Early Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:174.89pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Subsequent purchase</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">payments applied before</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the Early Withdrawal</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:142.52pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Early</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:35.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For an example of how the Early Withdrawal feature of the Nationwide Retirement Income </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Rider and the reduction to these factors are calculated, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix C: Nationwide </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Retirement Income Rider Examples</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">All Early Withdrawal requests must be made on a Nationwide form which is available by contacting the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Internal Revenue Code imposes a penalty tax if a distribution is made before the Contract Owner reaches age 59 ½, unless certain exceptions are met, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: Contract Types and Tax Information</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Non-Lifetime Withdrawal </span><span style="color:#000000;font-family:Arial;font-size:10pt;">After the first Contract Anniversary and on or after the Lifetime Withdrawal Eligibility Date, the Contract Owner may request a one-time withdrawal ("Non-Lifetime Withdrawal") without initiating the lifetime income benefit under the Nationwide Retirement Income Rider. The Non-Lifetime Withdrawal will not lock in the Lifetime Withdrawal Percentage and will not stop the simple interest roll-up (the Roll-up Interest Rate). However, the Non-Lifetime Withdrawal will reduce the Current Income Benefit Base, and consequently, the Lifetime Withdrawal Amount calculated for subsequent years. As with all withdrawals, a Non-Lifetime Withdrawal will reduce the Contract Value and death benefit. In addition, it will be subject to the CDSC provisions of the contract. A Non-Lifetime Withdrawal cannot be taken after the Contract Owner initiates the Lifetime Withdrawals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Non-Lifetime Withdrawal will cause a reduction to three factors used to calculate the Lifetime Withdrawal Amount: (1) the Current Income Benefit Base; (2) the Original Income Benefit Base (resulting in the Adjusted Roll-up Income Benefit Base); and (3) subsequent purchase payments applied before the Non-Lifetime Withdrawal. All three factors are reduced by a figure representing the proportional amount of the withdrawal, as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:35.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:121.13pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to Current Income </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.24%;margin-right:4.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Non-Lifetime </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:171.24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit Base</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">prior to the Non-Lifetime Withdrawal</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Non-</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lifetime Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:35.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:121.85pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to Original Income </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.24%;margin-right:4.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Non-Lifetime </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:170.52pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Original Income Benefit Base</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Non-</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lifetime Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:35.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:146.58pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to subsequent </span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">purchase payments applied</span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">before the Non-Lifetime Withdrawal</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:4.24%;margin-right:4.24%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Gross dollar </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Non-Lifetime </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:145.79pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Subsequent purchase</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">payments applied before the</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime Withdrawal</span></div></div></td></tr> <tr style="height:23.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:141.37pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (prior to the Non-</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lifetime Withdrawal)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:35.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For examples of how the Non-Lifetime Withdrawal feature of the Nationwide Retirement </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider and the reduction to these factors are calculated, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix C: Nationwide </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Retirement Income Rider Examples</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">All Non-Lifetime Withdrawal requests must be made on a Nationwide form which is available by contacting the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">If the Contract Owner requests a withdrawal without using the Nationwide form, the withdrawal request will be treated as a Lifetime Withdrawal request and will not be treated as a request for a Non-Lifetime Withdrawal</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Lifetime Withdrawals </span><span style="color:#000000;font-family:Arial;font-size:10pt;">On or after the Lifetime Withdrawal Eligibility Date, the Contract Owner may begin taking the lifetime income benefit provided by the Nationwide Retirement Income Rider by taking a Lifetime Withdrawal from the contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Unless the Contract Owner requests a one-time Non-Lifetime Withdrawal, the first withdrawal on or after the Lifetime Withdrawal Eligibility Date constitutes the first Lifetime Withdrawal, even if such withdrawal is taken to meet minimum distribution requirements under the Internal Revenue Code or is taken to pay advisory or investment management fees</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Nationwide will surrender Accumulation Units proportionally from the Sub-Accounts as of the date of the withdrawal request. As with any withdrawal, Lifetime Withdrawals reduce the Contract Value and consequently, the amount available for annuitization. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At the time of the first Lifetime Withdrawal, the Roll-up Interest Rate terminates and the Current Income Benefit Base is locked in and will not change unless the Contract Owner takes excess withdrawals or an automatic reset opportunity applies (both discussed later in this provision). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The applicable Lifetime Withdrawal Percentage is determined based on the age of the Contract Owner at the time of the first Lifetime Withdrawal. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Lifetime Withdrawal Percentages are disclosed in the Rate Sheet Supplement that is attached to the front of this prospectus delivered to you. For additional information on Rate Sheet Supplements, see above. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts that elect the Joint Option for the Nationwide Retirement Income Rider, the Lifetime Withdrawal Percentages will be equal to or less than the Lifetime Withdrawal Percentages for the Nationwide Retirement Income Rider. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Internal Revenue Code requires that IRAs, SEP IRAs, Simple IRAs, and Investment-Only Contracts begin distributions no later than April 1 of the calendar year following the calendar year in which the Contract Owner reaches age 73 (age 72 if born after June 30, 1949 and before January 1, 1951, or age 70½ if born before July 1, 1949). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract Owners subject to minimum required distribution rules may not be able to take advantage of the Lifetime Withdrawal Percentages available at higher age bands if distributions are taken from the contract to meet these Internal Revenue Code requirements.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Contract Owners who elect not to take minimum required distributions from this contract, </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">i.e.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">, they take minimum required distributions from other sources, may be able to take advantage of Lifetime Withdrawal Percentages at the higher age bands. Consult a qualified tax advisor for more information. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At the time of the first Lifetime Withdrawal and for each calendar year thereafter, the applicable Lifetime Withdrawal Percentage is multiplied by the Current Income Benefit Base to determine the Lifetime Withdrawal Amount for that calendar year. The Lifetime Withdrawal Amount is the maximum amount that can be withdrawn from the contract during the next calendar year without reducing the Current Income Benefit Base. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the contract is issued in the same calendar year as the first Lifetime Withdrawal, then the Lifetime Withdrawal Amount for the first calendar year will be prorated based upon the number of calendar months, including the month of issue, from the date the contract was issued to the end of the calendar year (December 31st). To determine the prorated Lifetime Withdrawal Amount, the non-prorated Lifetime Withdrawal Amount is multiplied by the following value: [(12 - the month the contract was issued represented as a number) + 1] divided by 12. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Assume a contract is issued on July 1 and a Contract Owner elects to take the first Lifetime </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawal in December of the same calendar year that the contract is issued. Also assume </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that at the time of the first Lifetime Withdrawal the non-prorated Lifetime Withdrawal </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount is $12,000. Here, the prorated Lifetime Withdrawal Amount would be $6,000 ((12-</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">7+1) months / 12 months x $12,000).</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">The ability to withdraw the Lifetime Withdrawal Amount will continue until the earlier of the Contract Owner’s death or annuitization. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract Owner can elect to set up systematic withdrawals or can request each Lifetime Withdrawal separately. All Lifetime Withdrawal requests must be made on a Nationwide form available by contacting the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Generally, each calendar year’s Lifetime Withdrawal Amount is non-cumulative, except where the Income Carryforward privilege (discussed below) applies. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Unless the Income Carryforward privilege applies, a Contract Owner cannot take a previous calendar year’s Lifetime Withdrawal Amount in a subsequent calendar year without causing an </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">excess withdrawal (discussed herein) that will reduce the Current Income Benefit Base.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Although Lifetime Withdrawals up to the Lifetime Withdrawal Amount do not reduce the Current Income Benefit Base, they do reduce the Contract Value and the death benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Income Carryforward </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Nationwide Retirement Income Rider includes an Income Carryforward privilege whereby Nationwide permits a Contract Owner to withdraw any part of the Lifetime Withdrawal Amount not taken in a given calendar year (the Income Carryforward amount) in the next calendar year, and the next calendar year only. Lifetime Withdrawals first reduce any available Income Carryforward amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">In addition, the Income Carryforward amount is non-cumulative, and therefore will be forfeited if not withdrawn in the calendar year when available; the Income Carryforward amount cannot be carried over from one year to the next.</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> Any amounts available under the Income Carryforward privilege are not treated as excess withdrawals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Income Carryforward amount available in any given calendar year is not adjusted as a result of any reset opportunities during that year. </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:35.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">For an example of how the Income Carryforward feature of the Nationwide Retirement </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider is calculated, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix C: Nationwide Retirement Income Rider </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Examples</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Impact of Withdrawals in Excess of the Lifetime Withdrawal Amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract Owner is permitted to withdraw Contract Value in excess of that year’s Lifetime Withdrawal Amount provided that the Contract Value is greater than $0. Withdrawals in excess of the Lifetime Withdrawal Amount will reduce the Current Income Benefit Base, and consequently, the Lifetime Withdrawal Amount calculated for subsequent calendar years. In the event of excess withdrawals, the Current Income Benefit Base will be reduced by a figure representing the proportional amount of the withdrawal, as follows:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;margin-left:36pt;width:469pt;"> <tr style="height:24.25pt;"> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:121.13pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Reduction to Current Income</span></div> <div style="margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:17.26pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:1.25pt;padding-top:1.25pt;vertical-align:Middle;width:182.15pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:3.29%;margin-right:3.29%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">dollar amount of</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the excess withdrawal</span></div></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:18pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:4.25pt;padding-top:4.25pt;vertical-align:Middle;width:130.45pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit Base</span></div> <div style="margin-left:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">prior to the withdrawal</span></div></div></td></tr> <tr style="height:34.25pt;"> <td style="padding-bottom:4.5pt;padding-top:4.25pt;vertical-align:Middle;width:182.15pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (reduced by the</span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">amount of the Lifetime Withdrawal Amount </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">withdrawn)</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts available under the Income Carryforward privilege are not treated as excess withdrawals, and therefore withdrawals under the Income Carryforward privilege will not reduce the Current Income Benefit Base. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Nationwide Retirement Income Rider will automatically terminate if an excess withdrawal reduces the Current Income Benefit Base to $0. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">RMD Privilege </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition, currently, Nationwide allows for an "RMD privilege" whereby Nationwide permits a Contract Owner to withdraw Contract Value in excess of the Lifetime Withdrawal Amount (plus any amount available under the Income Carryforward privilege, if applicable) without reducing the Current Income Benefit Base if such excess withdrawal is for the sole purpose of meeting Internal Revenue Code required minimum distributions for this contract. The RMD privilege is not available in the calendar year of the date the contract is issued. In order to qualify for the RMD privilege, the Contract Owner must: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">be at least 73 (age 72 if born after June 30, 1949 and before January 1, 1951, or age 70½ if born before July 1, 1949) as of the date of the request; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">own the contract as an IRA, SEP IRA, or Simple IRA; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">submit a completed administrative form in advance of the withdrawal to the Service Center. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide reserves the right to modify or eliminate the RMD privilege if there is any change to the Internal Revenue Code or IRS rules relating to required minimum distributions, including the issuance of relevant IRS guidance. If Nationwide exercises this right, Nationwide will provide notice to Contract Owners and any withdrawal in excess of the Lifetime Withdrawal Amount will reduce the remaining Current Income Benefit Base. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Once the Contract Value falls to $0, the Contract Owner is no longer permitted to submit subsequent purchase payments or take withdrawals in excess of the then applicable Lifetime Withdrawal Amount. Additionally, there is no Contract Value to annuitize, making the payment of the benefit associated with this option the only income stream producing benefit remaining in the contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Reset Opportunities </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide offers an automatic reset of the Current Income Benefit Base. If, on any Contract Anniversary, the Contract Value exceeds the Current Income Benefit Base, Nationwide will automatically reset the Current Income Benefit Base to equal that Contract Value. This higher amount will be the new Current Income Benefit Base. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Annuitization </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Owner elects to annuitize the contract, the Nationwide Retirement Income Rider will terminate. Specifically, the charge associated with the option will no longer be assessed and all benefits associated with the Nationwide Retirement Income Rider will terminate. A prorated charge will be deducted at annuitization. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Death of Determining Life </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts with no Joint Option for the Nationwide Retirement Income Rider, upon the death of the determining life, the benefits associated with the option terminate. If the Contract Owner is also the Annuitant, the death benefit will be paid in accordance with the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> provision. If the Contract Owner is not the Annuitant, the Contract Value will be distributed as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: Contract Types and Tax Information</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts with the Joint Option for the Nationwide Retirement Income Rider, upon the death of the determining life, the surviving spouse continues to receive the same benefit associated with the Nationwide Retirement Income Rider which had been received by the deceased spouse, for the remainder of the survivor’s lifetime. The Contract Value will reflect the death benefit and the Spousal Protection Feature. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Tax Treatment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Although the tax treatment for Lifetime Withdrawals under withdrawal benefits such as the Nationwide Retirement Income Rider is not clear, Nationwide will treat a portion of each Lifetime Withdrawal as a taxable distribution, as follows: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">First, Nationwide determines which is greater: (1) the Contract Value immediately before the Lifetime Withdrawal; or (2) the Lifetime Withdrawal Amount immediately before the Lifetime Withdrawal. That amount (the greater of (1) or (2)) minus any remaining investment in the contract at the time of the Lifetime Withdrawal represents the gain in the contract and the portion of the Lifetime Withdrawal reported as a taxable distribution. Where the gain in the contract exceeds the Lifetime Withdrawal, the full amount of the Lifetime Withdrawal will be reported as a taxable distribution. Consult a qualified tax advisor.</span><span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Appendix C: Nationwide Retirement Income Rider Examples </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Income Carryforward Example </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following is an example of how the Income Carryforward privilege may apply: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Assume a Contract Owner purchases a contract on April 1, 2023 for $100,000, with a Roll-up Interest Rate of 5.00%. On April 1, 2024, assume the Current Income Benefit Base is $105,000 ($100,000 + ($100,000 x 0.05)). In May of 2024, assume it is after the Lifetime Withdrawal Eligibility Date and the Contract Owner elects to begin lifetime income, taking the first Lifetime Withdrawal on May 1, 2024. At the time of the first Lifetime Withdrawal, assume the applicable Lifetime Withdrawal Percentage is 4.00%. Assuming no change to the Current Income Benefit Base from April 1, 2024, the Lifetime Withdrawal Amount would be $4,200 ($105,000 x 0.04). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Thereafter, assume the following withdrawal activity:</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="empty-cells:show;width:541pt;"> <tr style="height:18.38pt;"> <td rowspan="2" style="vertical-align:Bottom;width:100.5pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;margin-left:0.0pt;"> </span></div></div></td> <td style="vertical-align:Bottom;width:56.11pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:8.02%;margin-right:8.02%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawal</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Activity</span></div></div></div></td> <td colspan="2" style="vertical-align:Bottom;width:110.87pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:4.06%;margin-right:4.06%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Before</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawal Processing</span></div></div></div></td> <td colspan="2" style="vertical-align:Bottom;width:110.87pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:4.06%;margin-right:4.06%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">After</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawal Processing</span></div></div></div></td> <td rowspan="2" style="vertical-align:Bottom;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;"> </span></div></div></td></tr> <tr style="height:31.75pt;"> <td style="background-color:azure;vertical-align:Bottom;width:56.11pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:8.02%;margin-right:8.02%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawals</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:59.21pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:7.60%;margin-right:7.60%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Carryforward</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Amount</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:51.66pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:8.71%;margin-right:8.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawal</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Amount</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:59.21pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:7.60%;margin-right:7.60%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Income</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Carryforward</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Amount</span></div></div></div></td> <td style="background-color:azure;vertical-align:Bottom;width:51.66pt;"> <div style="line-height:10.50pt;text-align:left;"> <div style="border-bottom:0.75pt solid #000000;margin-left:8.71%;margin-right:8.71%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Withdrawal</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;font-weight:bold;">Amount</span></div></div></div></td></tr> <tr style="height:33.38pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">May 1, 2024</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">3,000</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The portion of the Lifetime Withdrawal </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount not taken in 2024 is the </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Income Carryforward amount for 2025.</span></div></div></td></tr> <tr style="height:12pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">January 1, 2025</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:0.5pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"> </div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:22pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">March 1, 2025</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,000</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Lifetime Withdrawals first reduce any </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">available Income Carryforward amount.</span></div></div></td></tr> <tr style="height:32pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">July 1, 2025</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">400</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Income Carryforward amount can </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">be taken in one or multiple withdrawals </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">during the year.</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">January 1, 2026</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:0.5pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"> </div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">400</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">June 1, 2026</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,600</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">400</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The entire Lifetime Withdrawal Amount </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">is taken in 2026, so there is no Income </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Carryforward amount for 2027.</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">January 1, 2027</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:0.5pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"> </div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">February 1, 2027</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">3,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">0</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The portion of the Lifetime Withdrawal </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Amount not taken in 2027 is the </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">Income Carryforward amount for 2028.</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">January 1, 2028</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:0.5pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"> </div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">December 31, 2028</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">1,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">The Income Carryforward amount is </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">forfeited if not withdrawn in the </span></div> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">calendar year in which it is available.</span></div></div></td></tr> <tr style="height:12pt;"> <td style="vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">January 1, 2029</span></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:0.5pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"> </div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">--</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:10pt;"> <td style="background-color:azure;vertical-align:Top;width:100.5pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-right:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">September 1, 2029</span></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:56.11pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:47.11pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">2,000</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:59.21pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:50.21pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">2,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;white-space:nowrap;width:51.66pt;"> <div style="line-height:10pt;margin-left:4.5pt;margin-right:4.5pt;text-align:right;width:42.66pt;"> <div style="display:flex;margin:auto;width:29.51pt;"> <div style="display:flex;white-space:nowrap;width:29.51pt;"><span style="color:#000000;font-family:Arial;font-size:9pt;width:auto;">$</span><span style="color:#000000;font-family:Arial;font-size:9pt;width:29.51pt;">4,200</span></div></div></div></td> <td style="background-color:azure;vertical-align:Top;width:162.64pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.5pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:29.75pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align-last:Justify;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Example of an Early Withdrawal and subsequent Non-Lifetime Withdrawal taken on or before the Contract Anniversary after </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">the Roll-up Crediting Period*</span></div></div></td></tr> <tr style="height:40.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The purpose of this example is to show the calculations used to determine the Current Income Benefit Base if both an Early </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Withdrawal and subsequent Non-Lifetime Withdrawal are taken on or before the Contract Anniversary after the Roll-up Crediting </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Period. This example assumes the following:</span></div></div></td></tr> <tr style="height:15.25pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Initial Purchase Payment on Contract Issue Date:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Original Income Benefit Base:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:23pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subsequent Purchase Payment one month after the date the contract </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">is issued:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$2,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Roll-up Crediting Period</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">10 years</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Roll-up Interest Rate</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Early Withdrawal amount taken during the 5th Contract Year:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$12,000</span></div></div></td></tr> <tr style="height:23pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on Date of Early Withdrawal (prior to the Early </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Withdrawal)**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$120,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current Income Benefit Base on Date of Early Withdrawal**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$122,392</span></div></div></td></tr> <tr style="height:11.5pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on 5th Contract Anniversary**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$107,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:26.5pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on Date of Non-Lifetime Withdrawal (prior to the Non-</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lifetime Withdrawal)**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$110,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on 6th Contract Anniversary**:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$96,000</span></div></div></td></tr> <tr style="height:29.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If a $12,000 Early Withdrawal is taken during the 5th Contract Year, the Current Income Benefit Base on the 5th Contract </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Anniversary will equal the greatest of:</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="4" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">1)</span></div></div></td> <td rowspan="4" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Current Income</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Early </span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base prior to </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Early Withdrawal</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Early Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$12,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$122,392</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$120,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$12,239</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Current Income Benefit Base of $122,392 is reduced by $12,239 resulting in the proportionally reduced Current Income </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$110,153.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">2)</span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The highest Contract Value on any Contract Anniversary after the Early Withdrawal. Here, the Contract Value on the 5th </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Anniversary is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$107,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.a)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Original Income </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Early</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Original Income Benefit</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Early Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$12,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$120,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$10,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Original Income Benefit Base of $100,000 is reduced by $10,000 resulting in the Adjusted Roll-up Income Benefit Base of </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">$90,000. The Adjusted Roll-up Income Benefit Base is increased by the 5% simple interest roll-up for each attained Contract </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Anniversary resulting in the Adjusted Roll-up Income Benefit Base with roll-up of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$112,500</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:18.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">PLUS</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.b)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Subsequent Purchase</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Payment</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Early</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Subsequent Purchase</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Payment one month after </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the date the contract is </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">issued</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Early Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$12,000</span></div></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$2,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$120,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$200</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The subsequent purchase payment of $2,000 is reduced by $200 resulting in the proportionally reduced subsequent purchase </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">payment of $1,800. This is increased by 5% simple interest roll-up from the date of the subsequent purchase payment for each </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">attained Contract Anniversary resulting in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$2,243</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Adjusted Roll-up Income Benefit Base with roll-up PLUS the proportionally reduced subsequent purchase payment with </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">roll-up would equal </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$114,743</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:25.75pt;"> <td colspan="6" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Since the Adjusted Roll-up Income Benefit Base with roll-up and subsequent purchase payment with roll-up are the greatest, the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Owner's Current Income Benefit Base on the 5th Contract Anniversary would be </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$114,743</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">All numbers are rounded to the nearest whole number </span><span style="color:#000000;font-family:Arial;font-size:9pt;">**</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value and Current Income Benefit Base are hypothetical and for example purposes only</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:auto;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Thereafter, assuming the Contract Owner reaches age 59½ immediately after the 5th Contract Anniversary, if a $22,000 Non-</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Lifetime Withdrawal is then taken during the 6th Contract Year, the Current Income Benefit Base on the 6th Contract </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Anniversary will equal the greatest of: </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:29.75pt;"> <td rowspan="4" style="padding-bottom:6.25pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">1)</span></div></div></td> <td rowspan="4" style="padding-bottom:6.25pt;padding-top:6.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Current Income</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:6.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base prior to </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime Withdrawal</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date of</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$22,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$114,743</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$110,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$22,949</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Current Income Benefit Base on the 5th Contract Anniversary of $114,743 is reduced by $22,949 resulting in the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">proportionally reduced Current Income Benefit Base of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$91,794.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">2)</span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The highest Contract Value on any Contract Anniversary after the Non-Lifetime Withdrawal. Here, the Contract Value on the 6th </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Anniversary is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$96,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.a)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Adjusted Roll-up</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Income Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Adjusted Roll-up</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Income Benefit Base</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date of</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$22,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$90,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$110,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$18,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Adjusted Roll-up Income Benefit Base of $90,000 is reduced by $18,000 resulting in the new Adjusted Roll-up Income </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base of $72,000. The Adjusted Roll-up Income Benefit Base is increased by the 5% simple interest roll-up for each </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">attained Contract Anniversary resulting in the new Adjusted Roll-up Income Benefit Base with roll-up of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$93,600</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:18.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">PLUS</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.b)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">to the Proportionally Reduced</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subsequent Purchase</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Payment</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Proportionally Reduced</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Subsequent Purchase</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Payment</span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date of</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$22,000</span></div></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$1,800</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$110,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$360</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The proportionally reduced subsequent purchase payment of $1,800 is reduced by $360 resulting in the new proportionally </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">reduced subsequent purchase payment of $1,440. This is increased by 5% simple interest roll-up from the date of the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">subsequent purchase payment for each attained Contract Anniversary resulting in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$1,866</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The new Adjusted Roll-up Income Benefit Base with roll-up PLUS the new proportionally reduced subsequent purchase </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">payment with roll-up would equal </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$95,466</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:25.75pt;"> <td colspan="6" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Since the highest Contract Value on the 6th Contract Anniversary is the greatest, the Contract Owner's Current Income Benefit Base </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">on the 6th Contract Anniversary would be </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$96,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">All numbers are rounded to the nearest whole number </span><span style="color:#000000;font-family:Arial;font-size:9pt;">**</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value and Current Income Benefit Base are hypothetical and for example purposes only</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:18.75pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Example of a Non-Lifetime Withdrawal taken after the Contract Anniversary after the Roll-up Crediting Period*</span></div></div></td></tr> <tr style="height:29.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The purpose of this example is to show the calculations used to determine the Current Income Benefit Base if a Non-Lifetime </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Withdrawal is taken after the Contract Anniversary after the Roll-up Crediting Period. This example assumes the following:</span></div></div></td></tr> <tr style="height:15.25pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Initial Purchase Payment on Contract Issue Date:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Original Income Benefit Base:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subsequent Payment one month after the date the contract is issued:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$2,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Roll-up Crediting Period</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">10 years</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Roll-up Interest Rate</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">5%</span></div></div></td></tr> <tr style="height:11.5pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Non-Lifetime Withdrawal Amount taken during the 12th Contract Year:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$15,000 </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:26.5pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on Date of Non-Lifetime Withdrawal (prior to the Non-</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Lifetime Withdrawal)**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$150,000</span></div></div></td></tr> <tr style="height:12pt;"> <td colspan="4" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current Income Benefit Base on Date of Non-Lifetime Withdrawal**:</span></div></div></td> <td colspan="2" style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$152,992</span></div></div></td></tr> <tr style="height:15.25pt;"> <td colspan="4" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:288pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Contract Value on 12th Contract Anniversary**:</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:252pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$142,000</span></div></div></td></tr> <tr style="height:29.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">If a $15,000 Non-Lifetime Withdrawal is taken during the 12th Contract Year, the Current Income Benefit Base on the 12th </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Contract Anniversary will equal the greatest of:</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">1)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction to the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Current Income Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Current Income Benefit</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Base prior to Non-</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Lifetime Withdrawal</span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Non-Lifetime</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$15,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$152,992</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$150,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$15,299</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Current Income Benefit Base of $152,992 is reduced by $15,299 resulting in the proportionally reduced Current Income </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Benefit Base of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$137,693</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">2)</span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The highest Contract Value on any Contract Anniversary after the Non-Lifetime Withdrawal. Here, the Contract Value on the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">12th Contract Anniversary is </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$142,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.a)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction to the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Original Income Benefit Base</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Original Income</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Benefit Base</span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Non-Lifetime</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$15,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$100,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$150,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$10,000</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Original Income Benefit Base of $100,000 is reduced by $10,000 resulting in the Adjusted Roll-up Income Benefit Base of </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">$90,000. The Adjusted Roll-up Income Benefit Base is increased by the 5% simple interest roll-up for each attained Contract </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Anniversary resulting in the Adjusted Roll-up Income Benefit base with roll-up of </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$135,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:18.5pt;"> <td colspan="6" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">PLUS</span></div></div></td></tr> <tr style="height:29.5pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">3.b)</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Top;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Proportional Reduction to the </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subsequent Purchase </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Payment</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Non-Lifetime</span></div> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal Amount</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Subsequent Purchase</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Payment one month after</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">the date the contract is </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">issued</span></div></div></td></tr> <tr style="height:37.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value (on date</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">of Non-Lifetime</span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">Withdrawal)</span></div></div></td></tr> <tr style="height:15.25pt;"> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="border-bottom:0.5pt solid #000000;margin-left:2.38%;margin-right:2.38%;padding-bottom:1pt;"> <div style="text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$15,000</span></div></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">X</span></div></div></td> <td rowspan="2" style="padding-bottom:6.25pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$2,000</span></div></div></td></tr> <tr style="height:15.25pt;"> <td style="padding-bottom:3pt;padding-top:6.25pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$150,000</span></div></div></td></tr> <tr style="height:12pt;"> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Top;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:12pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">=</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;">$200</span></div></div></td> <td style="padding-bottom:3pt;padding-top:3pt;vertical-align:Middle;width:126pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;"> </span></div></div></td></tr> <tr style="height:26.25pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The subsequent purchase payment of $2,000 is reduced by $200 resulting in $1,800. This is increased by 5% simple interest </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">roll-up each year from the date of the subsequent purchase payment to the 10th Contract Anniversary resulting in </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-style:italic;margin-left:0.0pt;">$2,693</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:29.5pt;"> <td style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:24pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;"> </span></div></div></td> <td colspan="5" style="border-bottom:0.5pt solid #000000;padding-bottom:3.25pt;padding-top:3.25pt;vertical-align:Top;width:516pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">The Adjusted Roll-up Income Benefit Base with roll-up PLUS the proportional reduction to the subsequent purchase payment </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">with roll-up equals </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$137,693</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr> <tr style="height:25.75pt;"> <td colspan="6" style="padding-bottom:3pt;padding-top:3.25pt;vertical-align:Top;width:540pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">Since the highest Contract Value on the 12th Contract Anniversary is the greatest, the Contract Owner's Current Income Benefit Base </span></div> <div style="margin-left:3pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">on the 12th Contract Anniversary would be </span><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">$142,000</span><span style="color:#000000;font-family:Arial;font-size:9pt;margin-left:0.0pt;">.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">All numbers are rounded to the nearest whole number </span><span style="color:#000000;font-family:Arial;font-size:9pt;">**</span><span style="color:#000000;font-family:Arial;font-size:9pt;">Contract Value and Current Income Benefit Base are hypothetical and for example purposes only</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Joint Option for the Nationwide Retirement Income Rider </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract Owner may elect the Joint Option for the Nationwide Retirement Income Rider (the "Joint Option"). The Joint Option allows a surviving spouse to continue to receive, for the duration of his/her lifetime, the benefit associated with the Nationwide Retirement Income Rider, provided certain conditions are met. Once the Joint Option is elected, it may not be removed from the contract, except as provided in the </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Marriage Termination</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> section. If the Joint Option is elected, the determining life for purposes of the Nationwide Retirement Income Rider will be that of the younger spouse.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:57.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">At the time of application, Ms. J purchased the Joint Option for the Nationwide Retirement </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Income Rider. She began taking Lifetime Withdrawals when she was 62. Three years later, </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ms. J passed away. Mr. J, Ms. J’s surviving spouse, is entitled to continue to receive the </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">same Lifetime Withdrawals for the duration of his lifetime. At Mr. J’s death, the contract will </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">terminate.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract Owner may elect the Joint Option at the time of application. The Contract Owner may also elect the Joint Option after the Date of Issue if the marriage to the spouse that is being added to the Contract occurred after the Date of Issue (proper proof of marriage is required) and Lifetime Withdrawals have not yet commenced. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Currently, there is no additional charge for the Joint Option, however, if the Contract Owner elects the Joint Option, Nationwide will reduce the Lifetime Withdrawal Percentages associated with the Nationwide Retirement Income Rider. If an additional charge were to be assessed, the charge would be deducted at the same time and in the same manner as the Nationwide Retirement Income Rider charge and the charge would also be assessed until annuitization. The current charge will not change for contracts that are already in force. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Joint Option is elected after the Date of Issue, the charge and the Lifetime Withdrawal Percentages stated in the Contract will apply. If the Joint Option is elected after the Date of Issue, any additional charge for the Joint Option will be assessed beginning on the next Contract Anniversary, prorated from the date the Joint Option was added. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Lifetime Withdrawal Percentages for the Joint Option for the Nationwide Retirement Income Rider are disclosed in the Rate Sheet Supplement that is attached to the front of this prospectus delivered to you. For additional information on Rate Sheet Supplements, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Nationwide Retirement Income Rider</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">To be eligible for the Joint Option, the following conditions must be met: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Joint Option is elected at the time of application, both spouses must be between 50 and 80 years old at the time of application; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Joint Option is elected after the Date of Issue, both spouses must be between 50 and 80 years old at the time the Joint Option is elected; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Both spouses must be at least age 59½ before either spouse is eligible to begin withdrawals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> the Internal Revenue Code imposes a penalty tax if a distribution is made before the Contract Owner reaches age 59½ unless certain exceptions are met (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: Contract Types and Tax Information</span><span style="color:#000000;font-family:Arial;font-size:10pt;">); </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Owner is a non-natural person, both spouses must be named as Co-Annuitants; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(5)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">One or both spouses (or a revocable trust of which either or both of the spouses is/are grantor(s)) must be named as the Contract Owner. For contracts issued as IRAs and Roth IRAs, only the person for whom the IRA or Roth IRA was established may be named as the Contract Owner; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(6)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Both spouses must be named as primary beneficiaries; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(7)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">No person other than the spouse may be named as Contract Owner, Annuitant, or primary beneficiary; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If both spouses are alive upon annuitization, the Contract Owner must specify which spouse is the Annuitant upon whose continuation of life any annuity payments involving life contingencies depend (for IRA and Roth IRA contracts, this person must be the Contract Owner). </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Note:</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> The Joint Option is distinct from the Spousal Protection Feature associated with the death benefits. The Joint Option allows a surviving spouse to continue receiving the Lifetime Withdrawals associated with the Nationwide Retirement Income Rider. In contrast, the Spousal Protection Feature is a death benefit bump-up feature associated with the death benefit. If the Joint Option is elected, the Spousal Protection Feature will automatically be included with the contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Marriage Termination </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If, prior to taking the first Lifetime Withdrawal, the marriage terminates due to divorce, dissolution, or annulment, the Contract Owner may remove the Joint Option from the contract. Nationwide will remove the benefit and the associated charge, if any, after the Contract Owner submits to the Service Center a written request and evidence of the marriage termination satisfactory to Nationwide. Once the Joint Option is removed from the contract, the benefit may not be re-elected or added to cover a subsequent spouse. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If, after taking the first Lifetime Withdrawal, the marriage terminates due to divorce, dissolution, or annulment, the Contract Owner may not remove the Joint Option from the contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;">Risks Associated with Electing the Joint Option </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There are situations where a Contract Owner who elects the Joint Option will not receive the benefits associated with the option. This will occur if: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Contract Owner’s spouse (Co-Annuitant) dies before him/her; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the contract is annuitized; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">after the first withdrawal, the marriage terminates due to divorce, dissolution, or annulment; or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(4)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">the beneficiary is changed. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Additionally, in the situations described in (1), (3), and (4) above, not only will the Contract Owner not receive the benefit associated with the Joint Option, but he/she must continue to pay any applicable charge until annuitization.</span> <span style="color:#000000;font-family:Arial;font-size:14pt;font-weight:bold;">Death Benefit</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Death of Contract Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a Contract Owner (including a joint owner) who is not the Annuitant dies before the Annuitization Date, no death benefit is payable and the surviving joint owner becomes the Contract Owner. If there is no surviving joint owner, the contingent owner becomes the Contract Owner. If there is no surviving contingent owner, the beneficiary becomes the Contract Owner. If there is no surviving beneficiary, the last surviving Contract Owner’s estate becomes the Contract Owner. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A distribution of the Contract Value will be made in accordance with tax rules and as described in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Appendix B: Contract Types and Tax Information. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A CDSC may apply.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Death of Annuitant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Annuitant who is not a Contract Owner dies before the Annuitization Date, the Contingent Annuitant becomes the Annuitant and no death benefit is payable. If no Contingent Annuitant is named, a death benefit is payable to the beneficiary. Multiple beneficiaries will share the death benefit equally unless otherwise specified. If no beneficiaries survive the Annuitant, the contingent beneficiary receives the death benefit. Multiple contingent beneficiaries will share the death benefit equally unless otherwise specified. If no beneficiaries or contingent beneficiaries survive the Annuitant, the Contract Owner or the last surviving Contract Owner's estate will receive the death benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Annuitant dies after the Annuitization Date, any benefit that may be payable will be paid according to the selected annuity payment option.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Death of Contract Owner/Annuitant </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a Contract Owner (including a joint owner) who is also the Annuitant dies before the Annuitization Date, a death benefit is payable to the surviving joint owner. If there is no surviving joint owner, the death benefit is payable to the beneficiary. Multiple beneficiaries will share the death benefit equally unless otherwise specified. If no beneficiaries survive the Contract Owner/Annuitant, the contingent beneficiary receives the death benefit. Multiple contingent beneficiaries will share the death benefit equally unless otherwise specified. If no contingent beneficiaries survive the Contract Owner/Annuitant, the last surviving Contract Owner's estate will receive the death benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract Owner/Annuitant dies after the Annuitization Date, any benefit that may be payable will be paid according to the selected annuity payment option.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Death Benefit Payment </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The recipient of the death benefit may elect to receive the death benefit: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in a lump sum; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">as an annuity (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Annuity Payment Options</span><span style="color:#000000;font-family:Arial;font-size:10pt;">); or </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">in any other manner permitted by law and approved by Nationwide. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Premium taxes may be deducted from death benefit proceeds. Nationwide will pay (or will begin to pay) the death benefit after it receives proof of death and the instructions as to the payment of the death benefit. Death benefit claims must be submitted to the Service Center. If the recipient of the death benefit does not elect the form in which to receive the death benefit payment, Nationwide will pay the death benefit in a lump sum. Contract Value will continue to be allocated according to the most recent allocation instructions until the death benefit is paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the contract has multiple beneficiaries entitled to receive a portion of the death benefit, the Contract Value will continue to be allocated according to the most recent allocation instructions until the first beneficiary provides Nationwide with all the information necessary to pay that beneficiary's portion of the death benefit proceeds. At the time the first beneficiary’s proceeds are paid, the remaining portion(s) of the death benefit proceeds that are allocated to Sub-Account(s) will be reallocated to the available money market Sub-Account until instructions are received from the remaining beneficiary(ies).</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Death Benefit Calculations</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The death benefit will be the standard death benefit (Return of Premium).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">As indicated previously, the death benefit calculations discussed in this provision may not apply if the Contract Owner has been changed or the contract has been assigned.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The value of each component of the death benefit calculation will be determined as of the date of the Annuitant's death, except for the Contract Value component, which will be determined as of the date Nationwide receives: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(1)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">proper proof of the Annuitant's death; </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(2)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">an election specifying the distribution method; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">(3)</span><span style="color:#000000;font-family:Arial;font-size:10pt;">any state required form(s).</span> <span style="font-family:Arial;font-size:14pt;font-weight:bold;">Appendix A: Investment Options Available Under the Contract</span><span style="font-family:Arial;font-size:10pt;">The following is a list of underlying mutual funds available under the contract. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/PersonalIncomeNY/index.html. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to FLSS@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the contract is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix E: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span><span style="color:#000000;font-family:Arial;font-size:9pt;">*</span><span style="color:#000000;font-family:Arial;font-size:9pt;">This underlying mutual fund’s current expenses reflect a temporary fee reduction.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Note: Availability of the Fidelity Variable Insurance Products Fund - VIP Government Money Market Portfolio: Investor Class is limited; this underlying mutual fund is not available for direct allocation by the Contract Owner.</span> <span style="font-family:Arial;font-size:10pt;">The following is a list of underlying mutual funds available under the contract. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/PersonalIncomeNY/index.html. This information can also be obtained at no cost by calling 1-800-848-6331 or by sending an email request to FLSS@nationwide.com. The availability of investment options may vary depending on the broker-dealer through which the contract is sold (see </span><span style="font-family:Arial;font-size:10pt;font-style:italic;">Appendix E: Financial Intermediary Variations</span><span style="font-family:Arial;font-size:10pt;">). </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund’s past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:34.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:88.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Type</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:298.84pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Underlying Mutual Fund and Adviser/Sub-Adviser</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Current</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Expenses</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:106.03pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Average Annual Total</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Returns</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">(as of 12/31/2025)</span></div></div></td></tr> <tr style="height:14pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">1 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:32.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">5 year</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Bottom;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">10 year</span></div></div></td></tr> <tr style="height:34pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:88.11pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:298.84pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products - VIP FundsManager 60% </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Investor Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.63%*</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">15.71%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:32.01pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">6.67%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">8.19%</span></div></div></td></tr> <tr style="height:61.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:88.11pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Preservation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Top;width:298.84pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Government Money </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Portfolio: Investor Class</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Investment Advisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Subadvisor: </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:48.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">0.28%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:36.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.83%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:32.01pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">3.02%</span></div></div></td> <td style="padding-bottom:5pt;padding-top:2.125pt;vertical-align:Middle;width:37.51pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;">1.97%</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products - VIP FundsManager 60% </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Portfolio: Investor Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> 0.0063 0.1571 0.0667 0.0819 <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Capital Preservation</span> <span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Fidelity Variable Insurance Products Fund - VIP Government Money </span><span style="font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.0pt;">Market Portfolio: Investor Class</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Fidelity Management &amp; Research Company LLC</span> <span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">FMR Investment Management (UK) Limited, Fidelity </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Management &amp; Research (Hong Kong) Limited, Fidelity Management &amp; </span><span style="font-family:Arial;font-size:9pt;margin-left:0.0pt;">Research (Japan) Limited</span> 0.0028 0.0383 0.0302 0.0197 <span style="color:#000000;font-family:Arial;font-size:9pt;">This underlying mutual fund’s current expenses reflect a temporary fee reduction.</span>