Charges and/or fees may apply depending on the trading policies or the variable fund that the assets are exchanged into and/or out of.
 Though the interest rate will never go below 0.5%, a loss to the principal may result after fees and expenses are reflected.
 All investing involves risk, and historical performance is not an indicator of future gains or losses.
 If the Nationwide Fixed Select Contract is added to the plan, a money market fund can be offered only as the forfeiture or retainer fund but cannot be offered as an investment option for the participant.
Restrictions may apply to exchanges if the plan is utilizing a third-party asset manager. Transfers out of this contract to other funding providers are also subject to certain limitations. Specific information about these restrictions, as well as other fees and charges, are detailed in the contract.
Nationwide, Nationwide Fixed Select Contract and Nationwide Retirement Flexible Advantage are service marks of Nationwide Mutual Insurance Company.