Hello, Retirement − the Golden Years!

You’ve worked long and hard to get to where you are today. Now is the time to live the good life. But just because you’re leaving your career behind, doesn’t mean you can turn your back on your investments. If you have an employer-sponsored retirement plan, you’ve got some decisions to make.

Consider these options and talk to your investment professional about your retirement goals.

• Cash it out − Take the cash now
• Let it be − Leave it in your current plan
• Roll it into an IRA− Move your retirement savings to an individual account you control
• Generate income − Turn your retirement savings into a stream of income

All your options − advantages and disadvantages

Please know that neither Nationwide^® nor its representatives provide tax or legal advice. You should consult with an attorney or other professional advisor for such advice.

To avoid tax withholding and possible penalties, be sure any loans on the retirement plan are paid off and your current plan custodian is instructed to send funds directly to your new rollover IRA custodian. Also know that neither Nationwide^® nor its representatives provide tax or legal advice. You should consult with an attorney or other professional advisor for such advice.

Unless you are making withdrawals for qualified expenses, withdrawing any or all of the funds will trigger a 20% mandatory tax withholding and a 10% early withdrawal penalty, if you are under age 59½, in addition to paying ordinary income tax.

Potential purchasers seeking to use an annuity to fund a qualified or other tax-advantaged retirement plan should understand that the use of an annuity for such purpose is not necessary in order to defer taxation of investment earnings. Guarantees are subject to the claims-paying ability of the issuing company.

Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution • Not insured by any federal government agency • May lose value