The plan sponsor, and not Nationwide, selects the registered investment professional used in conjunction with managed accounts. The plan sponsor must determine whether this service is appropriate for participants. Additional fees apply for this service.
 Diversification and asset allocation do not assure a profit or prevent a loss in a down market. Because you are investing indirectly in other funds, you are paying a proportionate share of the applicable expenses of those funds (including management fees) as well as the expenses of the Lifestyle/Target Date Fund. By investing in Lifestyle/Lifecycle funds, you receive asset allocation services that you would not receive by investing in the funds directly. Many of these funds invest primarily in other funds. Because you are investing indirectly in other funds, you are paying a proportionate share of the applicable expenses of those funds (including management fees) as well as the expenses of the Lifestyle/Lifecycle fund.
 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.
 Investments that participants choose through Fund Window aren't considered designated investment alternatives. This means that plan fiduciaries don't have the same requirement for prudent selection and monitoring of Fund Window investments as they do for the plan's core fund line-up.
 The self-directed brokerage account available is Schwab Personal Choice Retirement Account® (PCRA), offered through Charles Schwab & Co., Inc. (member SIPC), a registered broker dealer not affiliated with Nationwide.
These offerings may not be approved for use by all broker/dealers.
Target Date Funds are designed for people who plan to begin withdrawing money during or near a specific target date, like at retirement. These funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. The Funds offer continuous rebalancing over time to become more conservative as investors approach their planned retirement date. In addition to the expenses of the Target Date Funds, an investor is indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. The principal value of the fund is not guaranteed at any time, including the target date.