Quarterly fund statistics

Transcription

1 Quarterly fund statistics as of SEPTEMBER 30, 2015 Variable Annuity Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution Not insured by any federal government agency May lose value

2 We know quality. When you start with quality investments, you can make informed choices with the money you re investing for your future. That s why Nationwide s team of investment analysts devotes both time and effort to build a lineup of quality investment options screening, selecting and monitoring each investment against rigorous standards for quality. About this summary The table below summarizes some of the most important statistics about the investment options in our lineup. The options are organized by asset class and include information on each investment s style, ratings and risk characteristics. You can find definitions for many of these terms on the pages following this summary. Work with your investment professional as you review these options and make choices that align with your goals and your tolerance for risk.

3 Important information Picking investments is just one decision you have to make with a variable annuity. There are other important considerations as well, including: An annuity is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. It allows you to create a fixed or variable stream of income through a process called annuitization and also provides a variable rate of return based on the performance of the underlying investments. But, as with most things in life, an annuity does have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you re not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. Naturally, if you do take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced. Also know an annuity contains guarantees and protections that are subject to the issuing insurance company s ability to pay for them. But these guarantees don t apply to any variable accounts that are subject to investment risk, including possible loss of your principal. An annuity is a contract between you and an insurance company and it s sold by prospectus. While it may take some time, you should read it. It describes risks, fees and charges that may apply to you. Variable annuities have fees and charges that include mortality and expense, administrative fees, contract fees, and the expense of the underlying investment options. Additionally, each investment option within an annuity has its own prospectus that describes the style, objective, risks and expenses associated with the investment. You should read these prospectuses too before directing any money in your variable annuity contract to these investments. Product and underlying investment option prospectuses can be obtained from your investment professional, by writing to Nationwide Life Insurance Company, P.O. Box , Columbus, OH or by calling An annuity is not insured by the FDIC, NCUSIF, or any other federal government agency and is not a deposit or obligation of, guaranteed by, or insured by the depository institution where offered or any of its affiliates. Individuals selling these products must be licensed insurance agents and registered representatives. The investment options discussed in this brochure are only available in variable annuity products issued by life insurance companies. They are not offered or made available directly to the general public. These portfolios contain different investments than similarly named mutual funds offered by the money manager. Investment results may result in higher or lower returns. Federal income tax laws are complex and subject to change. The information in this brochure is based on current interpretations of the law and is not guaranteed. Neither the company nor its agents/representatives give legal or tax advice. Please consult your tax or legal advisor for answers to your specific questions. Variable annuity products are underwritten by Nationwide Life Insurance Company, Columbus, Ohio. The general distributor is Nationwide Investment Services Corporation, member FINRA. The Best of America is a service mark of Nationwide Life Insurance Company. Nationwide, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company. Contracts/Certificates: (see below for productspecific contract numbers) APO-3691 In OK: APO Nationwide Mutual Insurance Company Fund abbreviations AMT Advisers Management Trust VIF Variable Investment Fund IP Investment Portfolios VIP Variable Insurance Products LIT Life Investment Trust VIPT Variable Insurance Products Trust NVIT Nationwide Variable Insurance Trust VIT Variable Insurance Trust UIF The Universal Institutional Funds, Inc. VP Variable Portfolio VA Variable Account VPS Variable Product Series VI Variable Insurance VT Variable Trust

4 Making sense of the investment summary table We ve made it easy to compare investment options by these popular measurements of style, ratings and risk. Of course, you should read the underlying fund prospectuses for more information before you invest. A Quarterly Fund Statistics Investment Summary as of 09/30/11 B Style Morningstar Rating E MPT Statistics Fixed Income C Risk D Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Balanced: Aggressive Allocation Franklin Templeton VIPT Founding Funds Allocation Fund - Class 2 Avg Avg NVIT Cardinal SM Moderately Aggressive Fund - Class II Avg -Avg NVIT Investor Destinations Moderately Aggressive Fund - Class II Avg -Avg Total subaccounts out of 918 out of 918 out of 119 Balanced: Conservative Allocation Franklin Templeton VIPT Income Securities Fund - Class 2 +Avg +Avg NVIT Cardinal SM Conservative Fund - Class II Low Avg NVIT Cardinal SM Moderately Conservative Fund - Class II -Avg -Avg NVIT Investor Destinations Conservative Fund - Class II Low Avg NVIT Investor Destinations Moderately Conservative Fund - Class II -Avg Avg Total subaccounts out of 1,613 out of 1,613 out of 598 out of 20 Balanced: Moderate Allocation American Funds NVIT Asset Allocation Fund - Class II +Avg -Avg NVIT Cardinal SM Balanced Fund - Class II Low Avg NVIT Cardinal SM Capital Appreciation Fund - Class II +Avg -Avg NVIT Cardinal SM Moderate Fund - Class II -Avg -Avg NVIT Investor Destinations Balanced Fund - Class II 0.88 NVIT Investor Destinations Capital Appreciation Fund - Class II 0.85 NVIT Investor Destinations Moderate Fund - Class II -Avg Avg Total subaccounts out of 2,327 out of 2,327 out of 658 out of 89 Balanced: Target Date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 Avg Avg Total subaccounts out of 127 out of 127 out of 50 Balanced: Target Date Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 2 Avg Avg Total subaccounts out of 134 out of 134 out of 48 * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2011 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information. F G Expense Ratio*

5 A Category E Morningstar Star Rating The category Morningstar assigns to each investment option based on the past three years of stock and bond holdings Refer to the How to use Morningstar Star Ratings on the following pages; funds with less than three years of performance history are not rated B Style Refer to the How to use the Morningstar Style Box on the following pages F MPT Statistics Refers to common risk measurement as defined by modern portfolio theory (MPT) C D Morningstar Rating: Risk Indicates downside volatility relative to other investments in its category, measured for up to three time periods (three-, five- and 10-years) then weighted and averaged to produce the overall risk rating; the 10% of investments with the least risk in each category is described as Low; the next 22.5% as below average (-Avg); the middle 35% as average (Avg); the next 22.5% as above average (+Avg); the top 10% as High; funds with less than three years of performance history are not rated Morningstar Rating: Return Compares excess return over the risk-free rate (return of 90-day U.S. Treasury bills) for up to three time periods (three-, five- and 10-years) after any loads or sales charges, in comparison to similar funds; using T-bill return as a benchmark, the bottom 10% of investments in each category receive a Low rating, the next 22.5% below average (-Avg), the middle 35% average (Avg), the next 22.5% above average (+Avg), and the top 10% High; funds with less than three years of performance history are not rated G Beta A measure of an investment s sensitivity to market movement; a beta greater than 1 indicates greater volatility than the market; a beta less than 1 indicates lower volatility Standard Deviation Statistical measurement of the volatility of returns; a higher number indicates greater swings in returns, while a smaller number indicates lesser swings in returns Expense Ratio Percentage of assets used each year to pay operating and management expenses of the subaccount; includes administrative and marketing related (e.g., 12b-1) fees but not sales charges or product related fees; this report uses the Gross Prospectus Expense Ratio which does not include any waivers and/or reimbursements; if these waivers/reimbursements were included, the expense ratio may be lower; please refer to the individual fund fact sheets at nationwide.com for full net and gross expense details

6 How to use the Morningstar Style Box TM The Morningstar Style Box is a visual tool that can help you see beyond confusing fund names and descriptions and get a better understanding of each investment s style and risk factors. What the Style Box does It paints a picture of what s in the investment s portfolio. For stock funds, it shows if the manager invests more in large companies or small companies and if those stocks are generally cheap or expensive. For bond funds, the Style Box shows if the underlying securities are long-term, short-term or somewhere in between. It also shows the quality of the underlying securities in the portfolio. Morningstar uses the Style Box to categorize investments by their similarities, then to rate each investment on its ability to balance risk and reward relative to its peer group. Risk is measured across the nine classifications, increasing from left to right and from top to bottom. Putting the Style Box to work As you consider investments, the Style Box can help you easily identify different styles and objectives of funds so you can build a diversified portfolio. Morningstar Style Box TM Risk Investment style Median Market cap. Low Moderate High Value Blend Growth Large-cap Value Mid-cap Value Small-cap Value Large-cap Blend Mid-cap Blend Small-cap Blend Large-cap Growth Mid-cap Growth Small-cap Growth Large Mid Small Inside the stock fund Style Box, nine classifications exist, ranging from large-cap value in the upper left (more conservative) to small-cap growth in the lower right (more aggressive). Bond Risk Duration Quality Limited Moderate Extensive Diversification can help you lower the overall risk of your portfolio by combining different investments. You don t want to invest your entire portfolio in one place. Spreading out your investments across different types, styles and asset classes can reduce wide swings in performance and promote greater consistency of returns. Low Moderate High Ltd-term High Quality Ltd-term Medium Quality Ltd-term Low Quality Mod-term High Quality Mod-term Medium Quality Mod-term Low Quality Ext-term High Quality Ext-term Medium Quality Ext-term Low Quality High Medium Low Inside the bond fund Style Box, nine classifications exist, ranging from limited-term high quality in the upper left (more conservative) to extensive-term low quality in the lower right (more aggressive).

7 How to use Morningstar Star Ratings Morningstar assigns a Star Rating to any investment option with at least three years of performance history. It s a good place to begin your evaluation of investment options, but there are other considerations as well. What it is and isn t Number of investments The Star Rating indicates how well an investment has performed in the past relative to similar funds in its category. Funds with five-star ratings are leading performers; funds with one-star ratings are the poorest performers. Morningstar developed the Star Rating as a quantitative statistic you shouldn t use the Star Rating as an endorsement of any particular fund. Keep in mind the Star Rating is based solely on past performance and shouldn t be used as an indicator of future results. When the stars line up Also remember when comparing investments that the Star Rating is only applicable to investments within the same category. Not all fivestar rated investments are equal or even interchangeable. For example, a five-star fund in a specialized or narrowly focused category may have better risk-adjusted returns within its peer group, but it s likely to be riskier than a five-star investment that s more broadly diversified. Rather than picking investments according to their ratings, you should first work with your investment professional to develop an overall portfolio strategy. Then, review the investment options available for each portion of your portfolio. The Star Ratings can be used to identify potential choices but you should never select an investment based only on how many stars it has received. 10% 22.5% 35% 22.5% 10% How the stars are assigned The Star Rating is based on risk-adjusted returns. To calculate a riskadjusted return, Morningstar takes an investment s total return over a period and subtracts a risk penalty to cover the amount of variation in monthly returns. In other words, the greater the variation of monthly returns, the larger the risk penalty. In addition, Morningstar also accounts for all sales charges, loads and redemption fees in the risk-adjusted return used to assign a star rating. Investments that rank in the top 10% of their category for risk-adjusted returns receive a 5-star rating; the next 22.5% receive 4 stars; the middle 35% 3 stars; the next 22.5% 2 stars; and the bottom 10% one star. Ratings are computed for up to 3 time periods three, five and 10 years then combined to produce an overall rating. Investments with less than three years of past performance are not rated.

8 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income Allocation: Aggressive Allocation Franklin VIPT Founding Funds Allocation VIP Fund - Class 2 +Avg Avg NVIT Cardinal SM Aggressive Fund - Class II High +Avg NVIT Cardinal SM Moderately Aggressive Fund - Class II Avg Avg NVIT Investor Destinations Aggressive Fund - Class II +Avg +Avg NVIT Investor Destinations Moderately Aggressive Fund - Class II Avg Avg Total subaccounts out of 1,980 out of 1,980 out of 1,474 out of 313 Allocation: Conservative Allocation Franklin Income VIP Fund - Class 2 High +Avg NVIT Cardinal SM Balanced Fund - Class II +Avg +Avg NVIT Cardinal SM Conservative Fund - Class II Low -Avg NVIT Cardinal SM Managed Growth & Income Fund - Class II 1.25 NVIT Cardinal SM Moderately Conservative Fund - Class II Avg Avg NVIT Investor Destinations Balanced Fund - Class II Avg +Avg NVIT Investor Destinations Conservative Fund - Class II Low Avg NVIT Investor Destinations Managed Growth & Income Fund - Class II 0.87 NVIT Investor Destinations Moderately Conservative Fund - Class II -Avg Avg Total subaccounts out of 3,651 out of 3,651 out of 2,514 out of 834 Allocation: Moderate Allocation American Funds NVIT Asset Allocation Fund - Class II +Avg +Avg Loring Ward NVIT Moderate Fund - Class II 1.96 NVIT Cardinal SM Capital Appreciation Fund - Class II High Avg NVIT Cardinal SM Managed Growth Fund - Class II 1.26 NVIT Cardinal SM Moderate Fund - Class II Avg Avg NVIT Investor Destinations Capital Appreciation Fund - Class II +Avg Avg NVIT Investor Destinations Managed Growth Fund - Class II 0.84 NVIT Investor Destinations Moderate Fund - Class II -Avg Avg NVIT Managed American Funds Asset Allocation Fund - Class II 1.03 Total subaccounts out of 5,717 out of 5,717 out of 4,012 out of 1,761 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

9 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income Allocation: Tactical Allocation Goldman Sachs VIT Global Trends Allocation Fund - Service Shares Avg +Avg PIMCO VIT All Asset Portfolio - Advisor Class Avg Avg Total subaccounts out of 813 out of 813 out of 406 out of 86 Allocation: Target Date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class +Avg +Avg Total subaccounts out of 163 out of 163 out of 153 out of 17 Allocation: Target Date Fidelity VIP Freedom Fund 2020 Portfolio - Service Class +Avg +Avg Total subaccounts out of 191 out of 191 out of 164 out of 16 Allocation: Target Date Fidelity VIP Freedom Fund 2030 Portfolio - Service Class +Avg +Avg Total subaccounts out of 150 out of 150 out of 131 out of 16 Allocation: World Allocation BlackRock Global Allocation VI Fund - Class III Avg +Avg Ivy Funds VIP Asset Strategy High +Avg Loring Ward NVIT Capital Appreciation Fund - Class II 3.43 Total subaccounts out of 1,652 out of 1,652 out of 832 out of 177 Alternative: Multialternative Guggenheim VF Multi-Hedge Strategies Avg +Avg Total subaccounts out of 162 out of 162 out of 88 International : Diversified Emerging Mkts Lazard Retirement Emerging Markets Portfolio - Service Shares +Avg +Avg NVIT Emerging Markets Fund - Class I +Avg Avg Total subaccounts out of 1,483 out of 1,483 out of 1,145 out of 553 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

10 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income International : Foreign Large Blend Janus Aspen Series Overseas Portfolio - Service Shares High -Avg MFS VIT II International Value Portfolio - Service Class Low High NVIT International Fund - Class I Avg +Avg NVIT International Index Fund - Class VIII Avg -Avg Total subaccounts out of 2,576 out of 2,576 out of 2,101 out of 1,093 International : Foreign Large Growth Fidelity VIP Overseas Portfolio - Service Class High +Avg NVIT Multi-Manager International Growth Fund - Class I -Avg +Avg Oppenheimer International Growth Fund/VA - Service Shares Avg High Total subaccounts out of 1,702 out of 1,702 out of 1,400 out of 831 International : Foreign Large Value NVIT Multi-Manager International Value Fund - Class I +Avg -Avg Templeton NVIT International Value Fund - Class I Avg +Avg Total subaccounts out of 1,440 out of 1,440 out of 1,219 out of 621 International : World Stock American Funds NVIT Global Growth Fund - Class II -Avg +Avg Morgan Stanley UIF Global Infrastructure Portfolio - Class II Low +Avg Oppenheimer Global Fund/VA - Non-Service Shares Avg +Avg Total subaccounts out of 3,272 out of 3,272 out of 2,688 out of 1,573 Money Market: Money Market-Taxable NVIT Money Market Fund - Class I Total subaccounts out of 1,406 out of 1,406 out of 1,215 out of 812 Sector : Energy Fidelity VIP Energy Portfolio - Service Class 2 Avg +Avg Total subaccounts out of 219 out of 219 out of 172 out of 95 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

11 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income Sector : Health T. Rowe Price Health Sciences Portfolio - Class II +Avg High Total subaccounts out of 751 out of 751 out of 669 out of 482 Sector : Natural Resources Van Eck VIPT Global Hard Assets Fund - Service Class Avg Avg Total subaccounts out of 540 out of 540 out of 388 out of 220 Sector : Real Estate NVIT Real Estate Fund - Class I Avg -Avg Total subaccounts out of 789 out of 789 out of 711 Sector : Technology Janus Aspen Series Global Technology Portfolio - Service Shares Avg +Avg Total subaccounts out of 762 out of 762 out of 625 out of 474 Taxable Bond: Bank Loan Eaton Vance VT Floating-Rate Income Fund +Avg High Total subaccounts out of 309 out of 309 out of 190 out of 45 Taxable Bond: Emerging Markets Bond PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class Avg +Avg Total subaccounts out of 343 out of 343 out of 219 out of 145 Taxable Bond: High Yield Bond BlackRock High Yield VI Fund - Class III +Avg +Avg Federated NVIT High Income Bond Fund - Class I Avg Avg Fidelity VIP High Income Portfolio - Service Class Avg Avg Ivy Funds VIP High Income -Avg High Total subaccounts out of 2,143 out of 2,143 out of 1,780 out of 1,213 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

12 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income Taxable Bond: Inflation-Protected Bond American Century VP Inflation Protection Fund - Class II Avg +Avg Total subaccounts out of 861 out of 861 out of 631 out of 247 Taxable Bond: Intermediate Government NVIT Government Bond Fund - Class I +Avg Avg Total subaccounts out of 746 out of 746 out of 489 out of 376 Taxable Bond: Intermediate-Term Bond American Funds NVIT Bond Fund - Class II Avg -Avg BlackRock Total Return VI Fund - Class III +Avg +Avg Fidelity VIP Investment Grade Bond Portfolio - Service Class Avg Avg Janus Aspen Series Flexible Bond Portfolio - Service Shares -Avg High NVIT Core Bond Fund - Class I Avg +Avg NVIT Core Plus Bond Fund - Class II -Avg Avg PIMCO VIT Total Return Portfolio - Advisor Class +Avg +Avg Total subaccounts out of 4,076 out of 4,076 out of 3,181 out of 1,735 Taxable Bond: Multisector Bond NVIT Multi Sector Bond Fund - Class I Avg -Avg Oppenheimer Global Strategic Income Fund/VA - Non-Service Shares +Avg Avg Total subaccounts out of 768 out of 768 out of 592 out of 364 Taxable Bond: Short-Term Bond NVIT Short Term Bond Fund - Class II -Avg Avg PIMCO VIT Low Duration Portfolio - Advisor Class +Avg +Avg Total subaccounts out of 869 out of 869 out of 589 out of 253 Taxable Bond: World Bond PIMCO VIT Foreign Bond Portfolio (Unhedged) - Advisor Class +Avg -Avg Templeton Global Bond VIP Fund - Class 2 High High Total subaccounts out of 992 out of 992 out of 739 out of 252 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

13 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income U.S. : Large Blend American Funds NVIT Growth-Income Fund - ClassII -Avg Avg Dreyfus VIF Appreciation Portfolio - Initial Shares -Avg -Avg NVIT Managed American Funds Growth-Income Fund - Class II 1.37 NVIT Nationwide Fund - Class I +Avg Avg NVIT S&P 500 Index Fund - Class II Avg Avg Oppenheimer Main Street Fund /VA - Non-Service Shares +Avg +Avg Total subaccounts out of 7,200 out of 7,200 out of 6,146 out of 3,685 U.S. : Large Growth American Century NVIT Growth Fund - Class I -Avg Avg American Funds NVIT Growth Fund - Class II Avg -Avg Fidelity VIP Growth Portfolio - Service Class +Avg Avg Neuberger Berman NVIT Socially Responsible Fund - Class I Avg Avg NVIT Large Cap Growth Fund - Class I Avg Avg NVIT Multi-Manager Large Cap Growth Fund - Class I Avg Avg Total subaccounts out of 9,372 out of 9,372 out of 7,637 out of 4,453 U.S. : Large Value American Century NVIT Multi Cap Value Fund - Class I -Avg +Avg BlackRock Dividend VI Fund - Class III Low Avg Fidelity VIP -Income Portfolio - Service Class Avg Avg Invesco NVIT Comstock Value Fund - Class I +Avg +Avg MFS VIT Value Series - Service Class Avg High NVIT Multi-Manager Large Cap Value Fund - Class I +Avg Avg Total subaccounts out of 6,674 out of 6,674 out of 5,505 out of 3,299 U.S. : Mid-Cap Blend Dreyfus IP Mid Cap Stock Portfolio - Service Shares +Avg +Avg NVIT Mid Cap Index Fund - Class I +Avg +Avg Total subaccounts out of 1,436 out of 1,436 out of 1,112 out of 639 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

14 Investment Summary as of 09/30/15 Style Morningstar Rating MPT Statistics Fixed Risk Return Overall Rating 3-Year 5-Year 10-Year Beta Std Dev Income U.S. : Mid-Cap Growth Fidelity VIP Mid Cap Portfolio - Service Class -Avg Avg Ivy Funds VIP Mid Cap Growth -Avg Avg NVIT Multi-Manager Mid Cap Growth Fund - Class I Avg +Avg Oppenheimer Discovery Mid Cap Growth Fund/VA - Non-Service Shares +Avg Avg Total subaccounts out of 4,317 out of 4,317 out of 3,375 out of 2,028 U.S. : Mid-Cap Value AB VPS Small/Mid Cap Value Portfolio - Class B High +Avg American Century VP Mid Cap Value Fund - Class I Low High JPMorgan Insurance Trust Mid Cap Value Portfolio - Class 1 -Avg High NVIT Multi-Manager Mid Cap Value Fund - Class II -Avg High Total subaccounts out of 2,547 out of 2,547 out of 2,143 out of 1,014 U.S. : Small Blend NVIT Small Cap Index Fund - Class II +Avg Avg Oppenheimer Main Street Small Cap Fund /VA - Non-Service Shares +Avg High Total subaccounts out of 2,435 out of 2,435 out of 2,125 out of 1,052 U.S. : Small Growth MFS VIT New Discovery Series - Service Class +Avg Avg NVIT Multi-Manager Small Cap Growth Fund - Class I Avg Avg NVIT Multi-Manager Small Company Fund - Class I Low Avg Wells Fargo Advantage VT Small Cap Growth Fund - Class 2 High +Avg Total subaccounts out of 2,502 out of 2,502 out of 2,183 out of 1,369 U.S. : Small Value Delaware VIPT Small Cap Value - Service Class -Avg +Avg NVIT Multi-Manager Small Cap Value Fund - Class I Avg +Avg Total subaccounts out of 1,467 out of 1,467 out of 1,231 out of 638 Expense Ratio* * The Gross Prospectus Expense Ratio does not include any waivers and/or reimbursements. Please refer to the fund fact sheets at for more complete information. This material is authorized for client use only when preceded or accompanied by a Disclosure Statement, a prospectus and/or informational brochures containing more complete information. These can be obtained from your investment professional and should be read carefully before sending money. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS 2015 Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of information.

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16 Nationwide, Nationwide Financial, the Nationwide framemark and On Your Side are service marks of Nationwide Mutual Insurance Company. The Best of America is a service mark of Nationwide Life Insurance Company. Copyright 2015, Nationwide Financial Services,Inc. All rights reserved. VAM-0271AO.18 (09/15)