Partnering with you to build your business.

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Partnering with you

to build your business.

FOR ADVISOR USE ONLY FOR ADVISOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC.

Introducing our

Business Builder Program

Retirement plans can be a productive addition to an

advisor’s book of business. But when you consider what

it takes to pursue, win, service and support retirement

plans, it may seem challenging.

Through our Business Builder Program, we have the

people and tools to support you throughout the entire

process or where you need it most.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB, a division of Nationwide Bank. Nationwide

Investment Services Corporation (NISC), member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220.

Morningstar® 3(21) Fiduciary Services provided by Morningstar Associates, LLC. Neither Nationwide nor any of its affiliates are related to, or affiliated with Morningstar. Nationwide is not responsible for Morningstar’s content. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide Retirement Flexible Advantage, Nationwide Retirement Innovator Advantage, Nationwide Retirement Institute and On Your Side Interactive Retirement Planner are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide

FOR ADVISOR USE ONLY PNM-2818AO.2 (03/15)

Learn more about how

Nationwide

®

can partner

with you:

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Retirement Plans Business Builder Program Overview

(2)

PRE-SALE

Prospecting support that is strategic

and productive.

IDENTIFY: We help you identify retirement

plans in your area that may be open to a change.

REVIEW: We review your current book

of business to see where additional opportunities may lie.

EVALUATE: We help you determine plan

sponsors’ needs and provide prospecting tools to help you turn leads into clients.

Retirement programs built for advisors,

by advisors.

SELECT: We offer two distinct, competitively

priced mutual fund-based programs, each designed to meet the needs of you and your clients.

Nationwide Retirement Flexible Advantage® gives you the flexibility and control to build a customized retirement plan. Target plan size is more than $1M.

Nationwide Retirement Innovator Advantage® is simple to sell, set up and service with

integrated Morningstar® 3(21) Fiduciary

Services at no additional charge. Target plan size is less than $1M.

Helping your plan sponsors determine

their fiduciary responsibility.

CHOOSE:We help you and your clients

understand what it means to be a plan fiduciary and what it takes to keep the plan compliant. We offer “do it for me” and “do it myself” options.

POINT-OF-SALE

Helping you win the plan.

PARTNER: Your regional internal consultant, and/or regional vice president help you:

• Select the program that best fits your and your client’s needs • Understand pricing and compensation modeling • Illustrate investment options • Compare providers

• Partner with a plan administrator • Build and deliver a customized retirement plan proposal

In addition, your regional vice president can accompany you to the point-of-sale meeting, so he or she is there to help you explain the details of the plan and answer questions that may arise.

SUPPORT: We provide you with a customized plan proposal kit, a formal presentation and a mobile responsive plan sponsor website to use for your point-of-sale meetings.

POST-SALE

Providing resources for plan set-up.

IMPLEMENT:Your implementation manager is your primary contact through the installation of new plans, and works with you and your plan sponsor for all on-boarding needs. Your field service representative meets with the plan sponsor and its associates to guide them through the enrollment process and plan details.

ENROLL:We provide a consultative and intuitive enrollment kit that features education, guidance and a simplified enrollment process.

For employee meetings, we also offer an innovative tablet-based enrollment process, which is an easy and accurate alternative to paper worksheets.

ONGOING

Servicing that is easy and efficient.

ENGAGE:We offer multiple educational seminars to meet the needs of participants.

EDUCATE:Nationwide Retirement InstituteSM offers resources to keep you and your clients up to date on topics such as health care in retirement and Social Security decisions.

ACCESS:Our participant website features the On Your Side Interactive Retirement

PlannerSM, a simple interactive tool that

enables participants to set a retirement goal, track their progress and get suggestions for improving their retirement outlook.

MONITOR:Our plan sponsor website helps your clients to manage their plan, and provides detailed reports, including the Quarterly Plan Check-up and Annual Plan Review.

Our advisor website features plan data, marketing support and a consistent online experience, no matter what device you use.

Providing sales support

when and where you need it

When you partner with Nationwide

®

to sell group retirement plans, we support you at every point

throughout the retirement plan selling process:

• Pre-sale

• Point-of-sale

• Post-sale

• Ongoing service and support

And with dedicated people and tools, selling retirement plans will be easier than ever before.

<<Plan name (enough room for 100 characters, can go to second line if needed)>> <<Case # 001-12345>> Retirement Plans Enrollment guide

Take the next step

Retirement is about having a plan.

For Plan Sponsor Use Only

Retirement Plans Proposal Guide

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Learn more about how Nationwide can partner with you:

18 19

nationwide.com/retirementplans nationwide.com/retirementplans

THE NATIONWIDE INVESTMENT PLATFORM THE NATIONWIDE INVESTMENT PLATFORM

8 These investment options may require investment expertise and/or professional management advice to prudently manage. In addition, some of these investment options may have higher Nationwide asset fees than the designated investment options.

Nationwide does not make recommendations or give investment advice.

* Offering may not be approved for use by all broker/dealers. Lowe r In ve st m en t R et ur n

Less Investment Risk

Hi

gher

More

General Performance Portfolio Risk

Example is hypothetical and should not be considered investment advice.

* Offering may not be approved for use by all broker/dealers.

Professionally Managed Accounts* Professionally Managed Accounts* Lifestyle/ Target Maturity Funds Lifestyle/ Target Maturity Funds Designated Funds Designated

Funds Fund Window Fund WindowSelf-directed Brokerage Account*

Self-directed Brokerage Account*

“Hands on” “Hands on” “Hands off”

“Hands off”

Participant Account Management Participant Account Management

Your plan must allow participants to invest in a broad range of investment options, each with different risk and return characteristics You can choose from hundreds of funds, from numerous well-known and respected fund families, including a select set of Nationwide-branded mutual funds subadvised by well-researched, third-party money managers

Your plan’s designated funds must be diversified to help minimize the risk of large losses We can connect you with an independent investment fiduciary to help select and monitor the designated funds for your plan

Help reduce fiduciary liability — when participants use Fund Window, they are responsible for their investments

No additional cost to your plan or participants

Designated Funds

At the core of the investment choices offered to participants are the Designated Funds. Individually selected and monitored as outlined in your plan’s Investment Policy Statement, the Designated Funds serve as the foundation for your plan.

Fund Window8

For those participants who want more choice, you can provide access to all of the investment options available in your program without having to perform the same level of due diligence as is required for the Designated Funds.

8 7 6 5 4 3 2 1 Cash equivalents Short-term funds Bond funds Large-cap stock funds Mid-cap stock funds Small-cap stock funds International stock fundsSpecialty

Asset Class Morningstar Category Fund Family Year-to-date 1-, 3-, 5- and 10-year rankings Morningstar Rating Manager Tenure Gross Expense Ratio Net Assets Risk Class Standard Deviation Sharpe Ratio

Nationwide Financial Fund EvaluatorSM

This tool helps your participants select investments based on the criteria that best fits their needs

10 11

Get educated about retirement

1

} Deferral:Money withheld from your paycheck and contributed to your retirement account. Don’t think you have enough to invest? It’s okay to start with what’s affordable and increase deferrals. The chart on the right shows the effect of increasing per-pay deferrals by just 1% for 30 years.

How much income will you need in retirement?

To find out how much retirement income you’ll need, check out the

On Your Side Interactive Retirement

PlannerSM at nationwide.com/myretirement.

A small increase may make a big difference over time

Salary 9% 10%

$25,000 $220,178 $244,642

$50,000 $440,356 $489,284

$75,000 $660,534 $733,926

Assumes bi-weekly deferrals accumulated at 7% for 30 years

In just 10 minutes, you can gather the necessary information to determine if you’re on track for retirement. Nationwide®, a U.S.-based company, has the tools, resources and financial representatives you need to help meet your retirement goals.

9 How to invest in a 401(k), CNNMoney.com, 8/1/12.

This table shows the cumulative value of 26 biweekly deferral amounts over 10, 20, and 30 years, assuming a compound annual rate of 7% and a 25% federal tax rate, for a single person with an annual salary of $38,000 and one deduction for federal tax purposes. Actual investment returns will vary from year to year, and the value of your account after the specified periods of years shown in the table may be less or more than the amounts shown. This illustration is hypothetical and is not intended to serve as a projection of the investment results of any specific investment. If fees and expenses were reflected, the returns would have been less. How much to save?

Smart choices may lead to reaching your goals

You know there’s a big advantage to contributing to your company’s retirement plan, but how much should you contribute? The chart below shows the connection between how much someone might contribute out of each paycheck and possible account values over different periods of time. While everyone’s situation is unique, some experts feel that you should aim to

contribute at least 10% of your salary up the maximum allowable if possible.9

Growth Period Ending Balance Deferral

Per Pay Paycheck Impact Annual DeferralAccumulation 10 Years Accumulation 20 Years Accumulation 30 Years

$25 $18.75 $650 $9,304 $27,605 $63,607 $50 $37.50 $1,300 $18,607 $55,210 $127,214 $75 $56.25 $1,950 $27,911 $82,815 $190,821 $100 $75.00 $2,600 $37,214 $110,420 $254,428 $150 $112.50 $3,900 $55,821 $165,631 $381,642 $200 $150.00 $5,200 $74,429 $220,841 $508,856 $250 $187.50 $6,500 $93,036 $276,051 $636,070 $300 $225.00 $7,800 $111,643 $331,261 $763,283 $400 $300.00 $10,400 $148,857 $441,681 $1,017,711 $500 $375.00 $13,000 $186,071 $552,102 $1,272,139 $600 $450.00 $15,600 $223,286 $662,522 $1,526,567 $673 $504.75 $17,500 $250,452 $743,129 $1,712,299

Remember that if you choose a Roth, your Paycheck Impact is the same as your Deferral Per Pay.

Participant education program

Approaching

retirement Retirement Plans

Managing

your retirement account Retirement Plans Participant education program

Understanding

investments in your retirement account

Retirement Plans Participant education program

Managing risk

in your retirement account Retirement Plans Participant education program

(3)

Partnering with you

to build your business.

FOR ADVISOR USE ONLY FOR ADVISOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC.

Introducing our

Business Builder Program

Retirement plans can be a productive addition to an

advisor’s book of business. But when you consider what

it takes to pursue, win, service and support retirement

plans, it may seem challenging.

Through our Business Builder Program, we have the

people and tools to support you throughout the entire

process or where you need it most.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB, a division of Nationwide Bank. Nationwide

Investment Services Corporation, member FINRA. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220.

Neither Nationwide nor any of its affiliates are related to, or affiliated with Morningstar.

Nationwide, the Nationwide N & Eagle, Nationwide is on your side, Nationwide Retirement Flexible Advantage, Nationwide Retirement Innovator Advantage, Nationwide Retirement Institute and On Your Side Interactive Retirement Planner are service marks of Naitonwide Mutual Insurance Company. © 2015 Nationwide

FOR ADVISOR USE ONLY PNM-2818AO.2 (03/15)

Learn more about how

Nationwide

®

can partner

with you:

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Retirement Plans

(4)

PRE-SALE

Prospecting support that is strategic

and productive.

IDENTIFY: We help you identify retirement

plans in your area that may be open to a change.

REVIEW: We review your current book

of business to see where additional opportunities may lie.

EVALUATE: We help you determine plan

sponsors’ needs and provide prospecting tools to help you turn leads into clients.

Retirement programs built for advisors,

by advisors.

SELECT: We offer two distinct, competitively

priced mutual fund-based programs, each designed to meet the needs of you and your clients.

Nationwide Retirement Flexible Advantage® gives you the flexibility and control to build a customized retirement plan. Target plan size is more than $1M.

Nationwide Retirement Innovator Advantage® is simple to sell, set up and service with

integrated Morningstar® 3(21) Fiduciary

Services at no additional charge. Target plan size is less than $1M.

Helping your plan sponsors determine

their fiduciary responsibility.

CHOOSE:We help you and your clients

understand what it means to be a plan fiduciary and what it takes to keep the plan compliant. We offer “do it for me” and “do it myself” options.

POINT-OF-SALE

Helping you win the plan.

PARTNER: Your regional internal consultant, and/or regional vice president help you:

• Select the program that best fits your and your client’s needs • Understand pricing and compensation modeling • Illustrate investment options • Compare providers

• Partner with a plan administrator • Build and deliver a customized retirement plan proposal

In addition, your regional vice president can accompany you to the point-of-sale meeting, so he or she is there to help you explain the details of the plan and answer questions that may arise.

SUPPORT: We provide you with a customized plan proposal kit, a formal presentation and a mobile responsive plan sponsor website to use for your point-of-sale meetings.

POST-SALE

Providing resources for plan set-up.

IMPLEMENT:Your implementation manager is your primary contact through the installation of new plans, and works with you and your plan sponsor for all on-boarding needs. Your field service representative meets with the plan sponsor and its associates to guide them through the enrollment process and plan details.

ENROLL:We provide a consultative and intuitive enrollment kit that features education, guidance and a simplified enrollment process.

For employee meetings, we also offer an innovative tablet-based enrollment process, which is an easy and accurate alternative to paper worksheets.

ONGOING

Servicing that is easy and efficient.

ENGAGE:We offer multiple educational seminars to meet the needs of participants.

EDUCATE:Nationwide Retirement InstituteSM offers resources to keep you and your clients up to date on topics such as health care in retirement and Social Security decisions.

ACCESS:Our participant website features the On Your Side Interactive Retirement

PlannerSM, a simple interactive tool that

enables participants to set a retirement goal, track their progress and get suggestions for improving their retirement outlook.

MONITOR:Our plan sponsor website helps your clients to manage their plan, and provides detailed reports, including the Quarterly Plan Check-up and Annual Plan Review.

Our advisor website features plan data, marketing support and a consistent online experience, no matter what device you use.

Providing sales support

when and where you need it

When you partner with Nationwide

®

to sell group retirement plans, we support you at every point

throughout the retirement plan selling process:

• Pre-sale

• Point-of-sale

• Post-sale

• Ongoing service and support

And with dedicated people and tools, selling retirement plans will be easier than ever before.

<<Plan name (enough room for 100 characters, can go to second line if needed)>> <<Case # 001-12345>> Retirement Plans Enrollment guide

Take the next step

Retirement is about having a plan.

For Plan Sponsor Use Only

Retirement Plans Proposal Guide

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Learn more about how Nationwide can partner with you:

18 19

nationwide.com/retirementplans nationwide.com/retirementplans

THE NATIONWIDE INVESTMENT PLATFORM THE NATIONWIDE INVESTMENT PLATFORM

8 These investment options may require investment expertise and/or professional management advice to prudently manage. In addition, some of these investment options may have higher Nationwide asset fees than the designated investment options.

Nationwide does not make recommendations or give investment advice.

* Offering may not be approved for use by all broker/dealers. Lowe r In ve st m en t R et ur n

Less Investment Risk

Hi

gher

More

General Performance Portfolio Risk

Example is hypothetical and should not be considered investment advice.

* Offering may not be approved for use by all broker/dealers.

Professionally Managed Accounts* Professionally Managed Accounts* Lifestyle/ Target Maturity Funds Lifestyle/ Target Maturity Funds Designated Funds Designated

Funds Fund Window Fund WindowSelf-directed Brokerage Account*

Self-directed Brokerage Account*

“Hands on” “Hands on” “Hands off”

“Hands off”

Participant Account Management Participant Account Management

Your plan must allow participants to invest in a broad range of investment options, each with different risk and return characteristics You can choose from hundreds of funds, from numerous well-known and respected fund families, including a select set of Nationwide-branded mutual funds subadvised by well-researched, third-party money managers

Your plan’s designated funds must be diversified to help minimize the risk of large losses We can connect you with an independent investment fiduciary to help select and monitor the designated funds for your plan

Help reduce fiduciary liability — when participants use Fund Window, they are responsible for their investments

No additional cost to your plan or participants

Designated Funds

At the core of the investment choices offered to participants are the Designated Funds. Individually selected and monitored as outlined in your plan’s Investment Policy Statement, the Designated Funds serve as the foundation for your plan.

Fund Window8

For those participants who want more choice, you can provide access to all of the investment options available in your program without having to perform the same level of due diligence as is required for the Designated Funds.

8 7 6 5 4 3 2 1 Cash equivalents Short-term funds Bond funds Large-cap stock funds Mid-cap stock funds Small-cap stock funds International stock fundsSpecialty

Asset Class Morningstar Category Fund Family Year-to-date 1-, 3-, 5- and 10-year rankings Morningstar Rating Manager Tenure Gross Expense Ratio Net Assets Risk Class Standard Deviation Sharpe Ratio

Nationwide Financial Fund EvaluatorSM

This tool helps your participants select investments based on the criteria that best fits their needs

10 11

Get educated about retirement

1

} Deferral:Money withheld from your paycheck and contributed to your retirement account. Don’t think you have enough to invest? It’s okay to start with what’s affordable and increase deferrals. The chart on the right shows the effect of increasing per-pay deferrals by just 1% for 30 years.

How much income will you need in retirement?

To find out how much retirement income you’ll need, check out the

On Your Side Interactive Retirement

PlannerSM at nationwide.com/myretirement.

A small increase may make a big difference over time

Salary 9% 10%

$25,000 $220,178 $244,642

$50,000 $440,356 $489,284

$75,000 $660,534 $733,926

Assumes bi-weekly deferrals accumulated at 7% for 30 years

In just 10 minutes, you can gather the necessary information to determine if you’re on track for retirement. Nationwide®, a U.S.-based company, has the tools, resources and financial representatives you need to help meet your retirement goals.

9 How to invest in a 401(k), CNNMoney.com, 8/1/12.

This table shows the cumulative value of 26 biweekly deferral amounts over 10, 20, and 30 years, assuming a compound annual rate of 7% and a 25% federal tax rate, for a single person with an annual salary of $38,000 and one deduction for federal tax purposes. Actual investment returns will vary from year to year, and the value of your account after the specified periods of years shown in the table may be less or more than the amounts shown. This illustration is hypothetical and is not intended to serve as a projection of the investment results of any specific investment. If fees and expenses were reflected, the returns would have been less. How much to save?

Smart choices may lead to reaching your goals

You know there’s a big advantage to contributing to your company’s retirement plan, but how much should you contribute? The chart below shows the connection between how much someone might contribute out of each paycheck and possible account values over different periods of time. While everyone’s situation is unique, some experts feel that you should aim to

contribute at least 10% of your salary up the maximum allowable if possible.9

Growth Period Ending Balance Deferral

Per Pay Paycheck Impact Annual DeferralAccumulation 10 Years Accumulation 20 Years Accumulation 30 Years

$25 $18.75 $650 $9,304 $27,605 $63,607 $50 $37.50 $1,300 $18,607 $55,210 $127,214 $75 $56.25 $1,950 $27,911 $82,815 $190,821 $100 $75.00 $2,600 $37,214 $110,420 $254,428 $150 $112.50 $3,900 $55,821 $165,631 $381,642 $200 $150.00 $5,200 $74,429 $220,841 $508,856 $250 $187.50 $6,500 $93,036 $276,051 $636,070 $300 $225.00 $7,800 $111,643 $331,261 $763,283 $400 $300.00 $10,400 $148,857 $441,681 $1,017,711 $500 $375.00 $13,000 $186,071 $552,102 $1,272,139 $600 $450.00 $15,600 $223,286 $662,522 $1,526,567 $673 $504.75 $17,500 $250,452 $743,129 $1,712,299

Remember that if you choose a Roth, your Paycheck Impact is the same as your Deferral Per Pay.

Participant education program

Approaching

retirement Retirement Plans

Managing

your retirement account Retirement Plans Participant education program

Understanding

investments in your retirement account

Retirement Plans Participant education program

Managing risk

in your retirement account Retirement Plans Participant education program

(5)

PRE-SALE

Prospecting support that is strategic

and productive.

IDENTIFY: We help you identify retirement

plans in your area that may be open to a change.

REVIEW: We review your current book

of business to see where additional opportunities may lie.

EVALUATE: We help you determine plan

sponsors’ needs and provide prospecting tools to help you turn leads into clients.

Retirement programs built for advisors,

by advisors.

SELECT: We offer two distinct, competitively

priced mutual fund-based programs, each designed to meet the needs of you and your clients.

Nationwide Retirement Flexible Advantage® gives you the flexibility and control to build a customized retirement plan. Target plan size is more than $1M.

Nationwide Retirement Innovator Advantage® is simple to sell, set up and service with

integrated Morningstar® 3(21) Fiduciary

Services at no additional charge. Target plan size is less than $1M.

Helping your plan sponsors determine

their fiduciary responsibility.

CHOOSE:We help you and your clients

understand what it means to be a plan fiduciary and what it takes to keep the plan compliant. We offer “do it for me” and “do it myself” options.

POINT-OF-SALE

Helping you win the plan.

PARTNER: Your regional internal consultant, and/or regional vice president help you:

• Select the program that best fits your and your client’s needs • Understand pricing and compensation modeling • Illustrate investment options • Compare providers

• Partner with a plan administrator • Build and deliver a customized retirement plan proposal

In addition, your regional vice president can accompany you to the point-of-sale meeting, so he or she is there to help you explain the details of the plan and answer questions that may arise.

SUPPORT: We provide you with a customized plan proposal kit, a formal presentation and a mobile responsive plan sponsor website to use for your point-of-sale meetings.

POST-SALE

Providing resources for plan set-up.

IMPLEMENT:Your implementation manager is your primary contact through the installation of new plans, and works with you and your plan sponsor for all onboarding needs. Your field service representative meets with the plan sponsor and its associates to guide them through the enrollment process and plan details.

ENROLL:We provide a consultative and intuitive enrollment kit that features education, guidance and a simplified enrollment process.

For employee meetings, we also offer an innovative tablet-based enrollment process, which is an easy and accurate alternative to paper worksheets.

ONGOING

Servicing that is easy and efficient.

ENGAGE:We offer multiple educational seminars to meet the needs of participants.

EDUCATE:Nationwide Retirement InstituteSM offers resources to keep you and your clients up to date on topics such as health care in retirement and Social Security decisions.

ACCESS:Our participant website features the On Your Side Interactive Retirement

PlannerSM, a simple interactive tool that

enables participants to set a retirement goal, track their progress and get suggestions for improving their retirement outlook.

MONITOR:Our plan sponsor website helps your clients to manage their plan, and provides detailed reports, including the Quarterly Plan Check-up and Annual Plan Review.

Our advisor website features plan data, marketing support and a consistent online experience, no matter what device you use.

Providing sales support

when and where you need it

When you partner with Nationwide

®

to sell group retirement plans, we support you at every point

throughout the retirement plan selling process:

• Pre-sale

• Point-of-sale

• Post-sale

• Ongoing service and support

And with dedicated people and tools, selling retirement plans will be easier than ever before.

<<Plan name (enough room for 100 characters, can go to second line if needed)>> <<Case # 001-12345>> Retirement Plans Enrollment guide

Take the next step

Retirement is about having a plan.

For Plan Sponsor Use Only

Retirement Plans Proposal Guide

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Learn more about how Nationwide can partner with you:

18 19

nationwide.com/retirementplans nationwide.com/retirementplans

THE NATIONWIDE INVESTMENT PLATFORM THE NATIONWIDE INVESTMENT PLATFORM

8 These investment options may require investment expertise and/or professional management advice to prudently manage. In addition, some of these investment options may have higher Nationwide asset fees than the designated investment options.

Nationwide does not make recommendations or give investment advice.

* Offering may not be approved for use by all broker/dealers. Lowe r In ve st m en t R et ur n

Less Investment Risk

Hi

gher

More

General Performance Portfolio Risk

Example is hypothetical and should not be considered investment advice.

* Offering may not be approved for use by all broker/dealers.

Professionally Managed Accounts* Professionally Managed Accounts* Lifestyle/ Target Maturity Funds Lifestyle/ Target Maturity Funds Designated Funds Designated

Funds Fund Window Fund WindowSelf-directed Brokerage Account*

Self-directed Brokerage Account*

“Hands on” “Hands on” “Hands off”

“Hands off”

Participant Account Management Participant Account Management

Your plan must allow participants to invest in a broad range of investment options, each with different risk and return characteristics You can choose from hundreds of funds, from numerous well-known and respected fund families, including a select set of Nationwide-branded mutual funds subadvised by well-researched, third-party money managers

Your plan’s designated funds must be diversified to help minimize the risk of large losses We can connect you with an independent investment fiduciary to help select and monitor the designated funds for your plan

Help reduce fiduciary liability — when participants use Fund Window, they are responsible for their investments

No additional cost to your plan or participants

Designated Funds

At the core of the investment choices offered to participants are the Designated Funds. Individually selected and monitored as outlined in your plan’s Investment Policy Statement, the Designated Funds serve as the foundation for your plan.

Fund Window8

For those participants who want more choice, you can provide access to all of the investment options available in your program without having to perform the same level of due diligence as is required for the Designated Funds.

8 7 6 5 4 3 2 1 Cash equivalents Short-term funds Bond funds Large-cap stock funds Mid-cap stock funds Small-cap stock funds International stock fundsSpecialty

Asset Class Morningstar Category Fund Family Year-to-date 1-, 3-, 5- and 10-year rankings Morningstar Rating Manager Tenure Gross Expense Ratio Net Assets Risk Class Standard Deviation Sharpe Ratio

Nationwide Financial Fund EvaluatorSM

This tool helps your participants select investments based on the criteria that best fits their needs

10 11

Get educated about retirement

1

} Deferral:Money withheld from your paycheck and contributed to your retirement account. Don’t think you have enough to invest? It’s okay to start with what’s affordable and increase deferrals. The chart on the right shows the effect of increasing per-pay deferrals by just 1% for 30 years.

How much income will you need in retirement?

To find out how much retirement income you’ll need, check out the

On Your Side Interactive Retirement

PlannerSM at nationwide.com/myretirement.

A small increase may make a big difference over time

Salary 9% 10%

$25,000 $220,178 $244,642

$50,000 $440,356 $489,284

$75,000 $660,534 $733,926

Assumes bi-weekly deferrals accumulated at 7% for 30 years

In just 10 minutes, you can gather the necessary information to determine if you’re on track for retirement. Nationwide®, a U.S.-based company, has the tools, resources and financial representatives you need to help meet your retirement goals.

9 How to invest in a 401(k), CNNMoney.com, 8/1/12.

This table shows the cumulative value of 26 biweekly deferral amounts over 10, 20, and 30 years, assuming a compound annual rate of 7% and a 25% federal tax rate, for a single person with an annual salary of $38,000 and one deduction for federal tax purposes. Actual investment returns will vary from year to year, and the value of your account after the specified periods of years shown in the table may be less or more than the amounts shown. This illustration is hypothetical and is not intended to serve as a projection of the investment results of any specific investment. If fees and expenses were reflected, the returns would have been less. How much to save?

Smart choices may lead to reaching your goals

You know there’s a big advantage to contributing to your company’s retirement plan, but how much should you contribute? The chart below shows the connection between how much someone might contribute out of each paycheck and possible account values over different periods of time. While everyone’s situation is unique, some experts feel that you should aim to

contribute at least 10% of your salary up the maximum allowable if possible.9

Growth Period Ending Balance Deferral

Per Pay Paycheck Impact Annual DeferralAccumulation 10 Years Accumulation 20 Years Accumulation 30 Years

$25 $18.75 $650 $9,304 $27,605 $63,607 $50 $37.50 $1,300 $18,607 $55,210 $127,214 $75 $56.25 $1,950 $27,911 $82,815 $190,821 $100 $75.00 $2,600 $37,214 $110,420 $254,428 $150 $112.50 $3,900 $55,821 $165,631 $381,642 $200 $150.00 $5,200 $74,429 $220,841 $508,856 $250 $187.50 $6,500 $93,036 $276,051 $636,070 $300 $225.00 $7,800 $111,643 $331,261 $763,283 $400 $300.00 $10,400 $148,857 $441,681 $1,017,711 $500 $375.00 $13,000 $186,071 $552,102 $1,272,139 $600 $450.00 $15,600 $223,286 $662,522 $1,526,567 $673 $504.75 $17,500 $250,452 $743,129 $1,712,299

Remember that if you choose a Roth, your Paycheck Impact is the same as your Deferral Per Pay.

Participant education program

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retirement Retirement Plans

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your retirement account Retirement Plans Participant education program

Understanding

investments in your retirement account

Retirement Plans Participant education program

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in your retirement account Retirement Plans Participant education program

(6)

Partnering with you

to build your business.

FOR ADVISOR USE ONLY FOR ADVISOR USE ONLY NOT FOR DISTRIBUTION TO THE PUBLIC.

Introducing our

Business Builder Program

Retirement plans can be a productive addition to an

advisor’s book of business. But when you consider what

it takes to pursue, win, service and support retirement

plans, it may seem challenging.

Through our Business Builder Program, we have the

people and tools to support you throughout the entire

process or where you need it most.

The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB, a division of Nationwide Bank. Nationwide

Investment Services Corporation (NISC), member FINRA. The Nationwide Retirement Institute is a division of NISC. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220.

Morningstar® 3(21) Fiduciary Services provided by Morningstar Associates, LLC. Neither Nationwide nor any of its

affiliates are related to, or affiliated with Morningstar. Nationwide is not responsible for Morningstar’s content. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, Nationwide Retirement Flexible Advantage, Nationwide Retirement Innovator Advantage, Nationwide Retirement Institute and On Your Side Interactive Retirement Planner are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide

FOR ADVISOR USE ONLY PNM-2818AO.2 (03/15)

Learn more about how

Nationwide

®

can partner

with you:

1-800-626-3112

nationwidefinancial.com/BusinessBuilder

Retirement Plans Business Builder Program Overview

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