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The Best of America All American Gold Annuity®

How many years do you think you will spend in retirement? Chances are, it will be longer than you think. Depending upon your situation, you may want to consider a variable annuity to help you provide income during this period.

The Best of America All American Gold Annuity® is a variable annuity. A variable annuity is a long-term investment vehicle designed to help with retirement planning. It is a contract issued by a life insurance company that provides a variable rate of return based on the performance of underlying investment options.

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With this product you have a choice between surrender charge schedules. There is no additional cost for the B-schedule and there will be a surrender charge on your contract for eight years. For a 0.25% charge, you can elect the L-schedule which reduces your surrender charge period to four years. The C-schedule cost is 0.30% and eliminates your surrender charge period completely.

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Guarantees and protections are subject to Nationwide’s claims-paying ability. They don’t apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.

Annuities are issued by Nationwide Life Insurance Company or Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

The Best of America All American Gold Annuity is a service mark of Nationwide Life Insurance Company.

Contract/Certificate: VAC-0102AO, VAC-0102OR
In Oklahoma: VAC-0102OK
Riders: VAR-0115AO, VAR-0115OR, VAR-0117AO, VAR-0117OR, VAR-0116AO, VAR-0116OR, VAR-0106AO,
VAR-0106OR, VAR-0105AO, VAR-0105OR, VAR-0140AO, VAR-0140OR, APO-6284
Oklahoma Riders: VAR-0115AO, VAR-0117AO, VAR-0116AO, APO-6284, VAR-0106AO, VAR-0105AO,VAR-0140AO

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NFW-1458AO.1

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©2008 Nationwide Mutual Insurance Company. All rights reserved. Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation. Home Office: One Nationwide Plaza, Columbus, OH 43215-2220.