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1 ONCORE VARIABLE ANNUITIES Your investment. Your choice. This material is for general use with the public and is not intended to provide investment advice for any individual. NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY ANY BANK NOT INSURED BY ANY GOVERNMENT AGENCY MAY LOSE VALUE ANNUITIES

2 Investing is essential in every step of your retirement planning. While your annuity is accumulating assets, it is important to consider your risk tolerance and how much growth you may need to meet your income expectations. When you make the decision to start retirement income, do your investments need to help you achieve different goals? Ohio National s diverse fund lineup may help you build an investing plan as unique as your retirement needs. Life changes. We ll be there.

3 The Ohio National process The 26 fund managers available with the ONcore variable annuities bring with them a variety of philosophies, expertise and asset classes all vetted through the ON Fund Research Group. Funds are evaluated on a number of characteristics, both quantitative and qualitative, including focus and expertise, company infrastructure, volatility and compliance and risk controls. This rigorous process gives you and your financial professional the ability to build a diverse portfolio designed to meet your time horizon needs and retirement goals. With this in mind, we select fund managers ranging from some of the largest names in the industry to smaller, more specialized firms.

4 Individual portfolio choices Ohio National offers over 90 individual portfolios, including 5 Model Portfolios. These funds span various asset classes and investment styles enabling you and your financial professional to choose the funds that meet your needs. Below, our portfolio lineup is organized by categories including domestic and international offerings. If a fund is available with our optional riders, that it is also noted (see the Rider availability key located at the bottom of the page). Cash equivalent Inception date Asset category Rider availability Fidelity VIP Government Money Market Portfolio 1 7/7/2000 Money Market Fixed income Inception date Asset category Rider availability PIMCO Short-Term Portfolio 9/0/1999 Ultrashort Bond PIMCO Low Duration Portfolio 2/16/1999 Short-Term Bond PIMCO Real Return Portfolio 9/0/1999 Inflation-Protected Bond ON Bond Portfolio 2 11/2/1982 Corporate Bond Janus Henderson Flexible 12/1/1999 Intermediate-Term Bond Bond Portfolio Morgan Stanley VIF Core Plus 5/1/200 Intermediate-Term Bond Fixed Income Portfolio PIMCO Total Return Portfolio 12/1/1997 Intermediate-Term Bond Western Asset Core Plus 5/1/2015 Intermediate-Term Bond VIT Portfolio ON Federated High Income 5/1/1998 High Yield Bond Bond Portfolio PIMCO Global Bond 1/10/2002 World Bond Portfolio (Unhedged) Domestic equities Inception date Asset category Rider availability ON Capital Appreciation 4/0/1994 All Cap Portfolio (Jennison) ClearBridge Variable Dividend 4/27/2007 Large Cap Blend Strategy Portfolio Dreyfus Appreciation Portfolio 12/29/2000 Large Cap Blend Goldman Sachs U.S. 1/9/2006 Large Cap Blend Equity Insights Fund Lazard Retirement U.S. /18/1998 Large Cap Blend Strategic Equity Portfolio ON Bristol Portfolio (Suffolk) 5/1/2002 Large Cap Blend ON Equity Porftolio (ClearBridge) 1/14/1971 Large Cap Blend ON S&P 500 Index 1//1997 Large Cap Blend Portfolio (Geode) 1 You could lose money by investing in the fund. Although the fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Fidelity Investments and its affiliates, the fund s sponsor, have no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time. The fund will not impose a fee upon the sale of your shares, nor temporarily suspend your ability to sell shares if the fund s weekly liquid assets fall below 0% of its total assets because of market conditions or other factors. 1

5 Domestic equities Inception date Asset category Rider availability Fidelity VIP Contrafund Portfolio 1//1995 Large Cap Growth Fidelity VIP Growth Portfolio 10/9/1986 Large Cap Growth Franklin Flex Cap Growth VIP Fund 2/29/2008 Large Cap Growth Goldman Sachs Strategic Growth Fund Janus Henderson Research Portfolio 1/9/2006 Large Cap Growth 9/1/199 Large Cap Growth Jennison 20/20 Focus Portfolio 5//1999 Large Cap Growth Jennison Portfolio 4/25/1995 Large Cap Growth MFS Massachusetts Investors 8/24/2001 Large Cap Growth Growth Stock Portfolio Morgan Stanley VIF 5/5/200 Large Cap Growth Growth Portfolio ON Bristol Growth 5/1/2007 Large Cap Growth Portfolio (Suffolk) ON Janus Henderson /1/1995 Large Cap Growth Forty Portfolio ON Nasdaq-100 Index 5/1/2000 Large Cap Growth Portfolio (Geode) AB VPS Growth 6/1/1999 Large Cap Value & Income Portfolio ClearBridge Variable Large 2/17/1998 Large Cap Value Cap Value Portfolio Fidelity VIP Equity-Income 10/9/1986 Large Cap Value Portfolio Goldman Sachs Large 7/24/2007 Large Cap Value Cap Value Fund ON Federated Strategic 5/1/1998 Large Cap Value Value Dividend Portfolio JPMorgan Insurance Trust Mid Cap Value Portfolio 9/28/2001 Mid Cap Blend ON S&P MidCap /2/2005 Mid Cap Blend Index Portfolio (Geode) Federated Kaufmann Fund II 5/1/200 Mid Cap Growth Fidelity VIP Mid Cap Portfolio 12/1/1998 Mid Cap Growth MFS Mid Cap Growth Series 5/1/2000 Mid Cap Growth ON Janus Henderson 1//1997 Mid Cap Growth Enterprise Portfolio Neuberger Berman AMT Mid Cap Intrinsic Value Portfolio 4/29/2005 Mid Cap Value Rider availability key Combo Death Benefit Income Opportunity GLWB GLWB Preferred IS Guaranteed Principal Protection 2 A portfolio of the Ohio National Fund, advised by Ohio National Investments, Inc. A subadvised portfolio of the Ohio National Fund, Inc. 2

6 Domestic equities Inception date Asset category Rider availability JPMorgan Insurance Trust Small Cap Core Portfolio Global/International equities Janus Henderson Overseas Portfolio Lazard Retirement International Equity Portfolio 1//1995 Small Cap Blend Lazard Retirement U.S. 11/4/1997 Small Cap Blend Small-Mid Cap Equity Portfolio Royce Micro-Cap Portfolio 12/1/1996 Small Cap Blend AB VPS Small Cap 8/10/2000 Small Cap Growth Growth Portfolio MFS New Discovery Series 5/1/2000 Small Cap Growth ON Bryton Growth 5/1/2002 Small Cap Growth Portfolio (Suffolk) ON ClearBridge Small 5/1/1998 Small Cap Growth Cap Portfolio ON Janus Henderson 1//1997 Small Cap Growth Venture Portfolio Royce Small-Cap Portfolio 12/1/1996 Small Cap Value Inception date Asset category Rider availability 5/2/1994 Blend 9/1/1998 Blend ON International Equity 5//199 Blend Portfolio (Lazard) Invesco V.I. International 9/19/2001 Growth Growth Fund ON Foreign Portfolio (Templeton) /1/1995 Value Templeton Foreign VIP 2/29/2008 Value Fund (Franklin) Janus Henderson Global 9/1/199 World Stock Research Portfolio Lazard Retirement Emerging 11/4/1997 Emerging Markets Markets Equity Portfolio Ivy VIP Science and Technology 4/4/1997 Technology Alternative assets Inception date Asset category Rider availability PIMCO CommodityRealReturn Strategy Portfolio 6/0/2004 Commodities Ivy VIP Natural Resources 4/28/2005 Natural Resources Fidelity VIP Real Estate Portfolio 11/6/2002 Real Estate 11/5/2002 Real Estate Morgan Stanley VIF U.S. Real Estate Portfolio Rider availability key Combo Death Benefit Income Opportunity GLWB GLWB Preferred IS Guaranteed Principal Protection 4 Because the Managed Volatility Portfolios (MVPs) are managed to mitigate downside risk, they may underperform during periods of market appreciation.

7 Asset allocation Inception date Asset category Equity exposure Rider availability ON Conservative Model Portfolio 2 //2017 Allocation 0% to 5% ON Moderately Conservative //2017 Allocation 25% to 60% Model Portfolio 2 Franklin Income VIP Fund 2/29/2008 Allocation 0% to 50% ON Balanced Model Portfolio 2 //2017 Allocation 5% to 75% Janus Henderson Balanced Portfolio 9/1/199 Allocation 50% to 70% MFS Total Return Series 5/1/2000 Allocation 50% to 70% ON ICON Balanced Portfolio 5/1/2004 Allocation 50% to 70% ON Moderate Growth //2017 Allocation 55% to 95% Model Portfolio 2 ON Growth Model Portfolio 2 //2017 Allocation 65% to 100% Franklin Founding Funds 2/29/2008 Allocation 70% to 85% Allocation VIP Fund ON Omni Portfolio (Suffolk) 9/10/1984 Allocation 70% to 85% Ivy VIP Asset Strategy 5/1/1995 World Allocation N/A Managed Volatility Portfolios (MVPs) 4 Inception date Asset category Equity exposure Rider availability AB VPS Dynamic Asset 4/1/2011 Allocation 0% to 50% Allocation Portfolio TOPS Managed Risk 5/1/2012 Allocation 0% to 50% Balanced ETF Portfolio Fidelity VIP Target 2/1/201 Allocation 50% to 70% Volatility Portfolio ON Risk Managed Balanced 5/1/2014 Allocation 50% to 70% Portfolio (Janus/AnchorPath) QS Legg Mason Dynamic 11/0/2011 Allocation 50% to 70% Multi-Strategy VIT Portfolio TOPS Managed Risk Moderate 5/1/2012 Allocation 50% to 70% Growth ETF Portfolio TOPS Managed Risk 5/1/2012 Allocation 70% to 85% Growth ETF Portfolio Janus Henderson U.S. Low 9/6/2012 Large Cap Blend N/A Volatility Portfolio AB VPS Global Risk Allocation - 4/27/2015 Tactical Allocation N/A Moderate Portfolio Federated Managed 2/10/1994 Tactical Allocation N/A Volatility Fund II Goldman Sachs Global 4/16/2012 Tactical Allocation N/A Trends Allocation Fund PIMCO Global Diversified 4/0/2012 Tactical Allocation N/A Allocation Portfolio Franklin VolSmart 4/1/201 World Allocation N/A Allocation VIP Fund Invesco V.I. Balanced-Risk 1/2/2009 World Allocation N/A Allocation Fund Lazard Retirement Global 4/0/2012 World Allocation N/A Dynamic Multi-Asset Portfolio 4

8 Tailored Retirement Investment Portfolios (TRIP) 5 The TRIP lineup, available with our ONcore Income Opportunity GLWB rider, gives you the option to invest in most portfolios available on the Ohio National platform. Category 1 Allocation range: 20 50% of your total investment Maximum of 50% per individual fund Available investment options Fidelity VIP Government Money Market Portfolio 1 ON Bond Portfolio 2 PIMCO Short-Term Portfolio Janus Henderson Flexible Bond Portfolio PIMCO Low Duration Portfolio PIMCO Total Return Portfolio Morgan Stanley VIF Core Plus Fixed Income Portfolio PIMCO Real Return Portfolio Western Asset Core Plus VIT Portfolio Category 2 Allocation range: 20 80% of your total investment Maximum of 50% per individual fund Available investment options ClearBridge Variable Large Cap Value Portfolio ON Omni Portfolio (Suffolk) Janus Henderson U.S. Low Volatility Portfolio Fidelity VIP Contrafund Portfolio ON S&P 500 Index Portfolio (Geode) Lazard Retirement Global Dynamic Multi-Asset Portfolio Janus Henderson Balanced Portfolio PIMCO Global Bond Portfolio (Unhedged) ON Risk Managed Balanced Portfolio (Janus/AnchorPath) Lazard Retirement U.S. Strategic Equity Portfolio AB VPS Dynamic Asset Allocation Portfolio PIMCO Global Diversified Allocation Portfolio MFS Total Return Series AB VPS Global Risk Allocation-Moderate Portfolio QS Legg Mason Dynamic Multi-Strategy VIT Portfolio ON Federated High Income Bond Portfolio Federated Managed Volatility Fund II TOPS Managed Risk Balanced ETF Portfolio ON Growth Model Portfolio 2 Fidelity VIP Target Volatility Portfolio TOPS Managed Risk Growth ETF Portfolio ON ICON Balanced Portfolio Franklin VolSmart Allocation VIP Fund TOPS Managed Risk Moderate Growth ETF Portfolio ON International Equity Portfolio (Lazard) ON Moderate Growth Model Portfolio 2 Goldman Sachs Global Trends Allocation Fund Invesco V.I. Balanced-Risk Allocation Fund 5 Please note that there are investment requirements if you choose to purchase an optional living benefit rider with your ONcore variable annuity. Living benefit riders require that you invest in accordance with investment requirements. Please see the prospectus for more information. 5

9 Category Allocation range: 0 20% of your total investment Available investment options AB VPS Growth & Income Portfolio Goldman Sachs U.S. Equity Insights Fund ON Capital Appreciation Portfolio (Jennison) ClearBridge Variable Dividend Strategy Portfolio Invesco V.I. International Growth Fund ON Equity Portfolio (Clearbridge) Federated Kaufmann Fund II Janus Henderson Global Research Portfolio ON Federated Strategic Value Dividend Portfolio Fidelity VIP Equity-Income Portfolio Janus Henderson Research Portfolio ON Foreign Portfolio (Templeton) Fidelity VIP Growth Portfolio Lazard Retirement U.S. Small-Mid Cap Equity Portfolio ON Janus Henderson Enterprise Portfolio Fidelity VIP Mid Cap Portfolio MFS Massachusetts Investors Growth Series ON Janus Henderson Forty Portfolio Franklin Flex Cap Growth VIP Fund MFS Mid Cap Growth Series ON Nasdaq-100 Index Portfolio (Geode) Franklin Founding Funds Allocation VIP Fund MFS New Discovery Series ON S&P MidCap 400 Index Portfolio (Geode) Franklin Income VIP Fund ON Bristol Growth Portfolio (Suffolk) Templeton Foreign VIP Fund Goldman Sachs Strategic Growth Fund ON Bristol Portfolio (Suffolk) Category 4 Allocation range: 0 10% of your total investment Available investment options AB VPS Small Cap Growth Portfolio Janus Henderson Overseas Portfolio ON Janus Henderson Venture Portfolio Fidelity VIP Real Estate Portfolio Lazard Retirement Emerging Markets Equity Portfolio PIMCO CommodityRealReturn Strategy Portfolio Goldman Sachs Large Cap Value Fund Morgan Stanley VIF Growth Portfolio Royce Micro-Cap Portfolio Ivy VIP Asset Strategy Morgan Stanley VIF U.S. Real Estate Portfolio Royce Small-Cap Portfolio Ivy VIP Natural Resources ON Bryton Growth Portfolio (Suffolk) Ivy VIP Science and Technology ON ClearBridge Small Cap Portfolio Just like in travel, sometimes it s easier to take the all-inclusive route than plan each detail. That s why Ohio National also offers our Conservative, Moderately Conservative and Balanced Model Portfolios as alternative investment options to TRIP. See next page for more information on all our Model Portfolios. 6

10 Model Portfolios The ON Model Portfolios, managed by Ohio National Investments, Inc. (ONII), are dynamic portfolios, each with its own strategic investment objective. Your financial professional can help determine if the ON Model Portfolios are right for your retirement needs, and, if so, which one is the best fit. About ON Model Portfolios Each of the 5 Model Portfolios is a fund of funds, an investment method characterized as having a complete portfolio in a single fund. These pre-constructed and professionally managed portfolios are evaluated monthly, ensuring each one meets its unique strategic objective. If the target isn t being met, the funds are rebalanced. This type of professional oversight means investors can feel comfortable that the Model Portfolio they pick will continuously meet their intended objectives. ON Conservative Model Portfolio Current composition 6 U.S. equity 17% International equity 4% Fixed income 79% ON Moderately Conservative Model Portfolio Current composition 6 U.S. equity 0% International equity 10% Fixed income 60% Further diversification can be achieved by combining the ON Model Portfolios with other individual investment options. Investing in both may offer individuals access to a wider array of choices and greater diversification options, further meeting a specific risk tolerance or desire for growth. Target asset mix: U.S. equity 0-25% International equity 0-10% Fixed income 65-90% Objective: The preservation of the current income and capital consistent with its target allocation. Target asset mix: U.S. equity 20-40% International equity 5-20% Fixed income 0-70% Objective: The preservation of current income and moderate growth of capital with a greater emphasis on current income consistent with its target allocation. The ON Conservative Model Portfolio typically looks to preserve a contract s value, by focusing primarily on fixed income options. As a result, growth opportunities may be limited. The ON Moderately Conservative Model Portfolio emphasizes stability, while still allowing for growth opportunities. It seeks to mitigate risk by pairing fixed income options with more stable equity investments. 6 Model portfolios shown are effective as of /1/18. 7

11 ON Balanced Model Portfolio ON Moderate Growth Model Portfolio ON Growth Model Portfolio Current composition 6 U.S. equity 7% International equity 19% Fixed income 7% Other 7% Target asset mix: U.S. equity 25-50% International equity 10-25% Fixed income 25-50% Current composition 6 U.S. equity 50.5% International equity 25% Fixed income 18.5% Other 6% Target asset mix: U.S. equity 40-60% International equity 15-5% Fixed income 10-0% Current composition 6 U.S. equity 62.5% International equity 0% Fixed income 7.5% Target asset mix: U.S. equity 50-80% International equity 15-45% Fixed income 0-15% Objective: A balance between growth of capital and current income with a greater emphasis on growth of capital consistent with its target allocation. Objective: Growth of capital and moderate current income with a greater emphasis on growth of capital consistent with its target allocation. Objective: Growth of capital and some current income consistent with its target allocation. The ON Balanced Model Portfolio tolerates more risk than the two more conservative Model Portfolios. It looks to balance risk with return potential, achieved through a mix of equities and fixed income at a ratio typically between 50/50 and 60/40. The ON Moderate Growth Model Portfolio emphasizes growth by investing primarily in equities. While not the primary focus, stability may also be achieved by reserving some money into more traditionally stable investments, such as fixed income. The ON Growth Model Portfolio focuses on increasing assets. It seeks to achieve this objective by investing primarily in equities. As a result, this Model Portfolio may expose an investor to more risk than the other Model Portfolios. 8

12 AllianceBernstein Investments, Inc. (ABI) is the distributor of the AB family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds. The [A/B] logo is a service mark of AllianceBernstein and AllianceBernstein is a registered trademark used by permission of the owner, AllianceBernstein L.P. The Dreyfus Corporation and MBSC Securities Corporation, distributor, are affiliated with The Bank of New York Mellon Corporation. Federated is a registered trademark of Federated Investors, Inc. FIDELITY, FIDELITY INVESTMENTS and Pyramid logo, and Contrafund are registered service marks of FMR LLC. Used with permission. Invesco Distributors Inc. (IDI) is the U.S. distributor for the Invesco s V.I. Funds. Both IDI and Invesco Advisors, Inc. are indirect, wholly owned subsidiaries of Invesco Ltd. Morgan Stanley Investment Management is the asset management division of Morgan Stanley 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 () 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 this information. Past performance is no guarantee of future results. The Nasdaq-100, Nasdaq-100 Index, and Nasdaq are registered trademarks of The NASDAQ OMX Group, Inc. (which with its affiliates is referred to as NASDAQ OMX ) and have been licensed for use by Ohio National. The portfolio and our products have not been passed on by NASDAQ OMX as to their legality or suitability. NASDAQ OMX does not sponsor, endorse, sell or promote the portfolio or our products. NASDAQ OMX MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO THE PORTFOLIO OR OUR PRODUCTS. The S&P 500 Index is a product of S&P Dow Jones Indices LLC or its affiliates ( SPDJI ), and has been licensed for use by Ohio National Investments, Inc. ( ONI ) Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by ONI. The S&P 500 Index Portfolio of Ohio National Fund, Inc. is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. The S&P MidCap 400 Index is a product of S&P Dow Jones Indices LLC or its affiliates ( SPDJI ), and has been licensed for use by Ohio National Investments, Inc. ( ONI ) Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by ONI. The S&PMidCap 400 Index Portfolio of Ohio National Fund, Inc. is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P MidCap 400 Index. The TOPS Managed Risk ETF Portfolios are managed by ValMark Advisers, Inc. and distributed by Northern Lights Distributors, LLC, member FINRA/SIPC. Northern Lights Distributors, LLC is not affiliated with ValMark Advisers, Inc. or Milliman, Inc. These portfolios contain different investments than similarly named retail mutual funds offered by the portfolio manager. Investment results may be higher or lower. The asset classes shown for the Portfolios are as of 12/1/17. Over time, a portfolio s current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. Investment risks include, but are not limited to: Capitalization Size Risk (Small/Mid)- Small and mid cap stocks are often more volatile than large cap stocks smaller companies are often more volatile than larger companies smaller companies generally face higher risks due to their limited product lines, markets and financial resources; Commodity and Derivative Risk- Investments in commodities (and related instruments) and derivative instruments such as options, futures, forwards or swaps can be riskier than traditional investments, and may be more volatile; ETF Risk- Investments in ETFs bear the share of the ETF s expenses and run the risk that the ETF may not achieve its investment objective; Fixed Income Risk- Investments in fixed income securities are subject to interest rate risk, the fluctuation of the interest rate, and credit risk, the issuer s ability to make timely payments of interest or principal. The lower the credit rating, the higher the risk of default. Fixed income securities with lower ratings (commonly known as junk bonds ) tend to have a higher probability that an issuer will default or fail to meet its payment obligations; Foreign (Non-U.S.) Risk- Non-U.S. securities may be more volatile because of political, regulatory, market and economic uncertainties associated with such securities. Fluctuations in currency exchange rates may negatively affect the value of the investment or reduce returns. These risks are magnified in emerging or developing markets; Interest Rate Risk- The risk that fixed income securities will decline in value because of an increase in interest rates; Large Cap Risk- Larger more established companies may be unable to respond quickly to new competitive challenges such as changes in technology and consumer tastes. Many larger companies also may not be able to attain the high growth rate of successful smaller companies, especially during extended periods of economic expansion; Liquidity Risk- The difficulty of purchasing or selling a security at an advantageous time or price; Real Estate Risk- Investments in real estate could decline due to a variety of factors that affect the real estate market. REITs have additional risks; they are dependent on the capability of their managers, they may have limited diversification, and they can be affected by changes in taxes. There is general market risk when investing in equities. Stock prices can fluctuate over a wide range in the short term or over extended periods of time. These price fluctuations may result from factors affecting individual companies, sectors or the securities market as a whole. There is no guarantee that the stock market or any particular underlying stock will increase in value. All Models may not be available with all riders. See product prospectus for investment limitations and details. Some portfolios contain different investments than similarly named retail mutual funds offered by the portfolio manager. Investment results may be higher or lower. Volatility is a statistical measurement of the frequency and level of changes in the value of an asset, index or instrument without regard to the direction of those changes. Volatility may result from rapid and dramatic price swings. There can be no guarantee that a portfolio will maintain its annualized volatility target. Furthermore, while volatility management seeks competitive returns with more consistent volatility of returns, the attainment and maintenance of the target volatility does not ensure that a portfolio will deliver competitive returns. Variable annuities are sold by prospectuses, which contain more complete information including fees, surrender charges (contingent deferred sales charges) and other costs that may apply. To obtain current prospectuses, contact your financial professional or visit ohionational.com/fundinfo. Please read the product and fund prospectuses carefully before you invest or send money. Investors should consider the investment objectives, strategies, risk factors and charges and expenses of the underlying portfolios carefully before investing. The fund prospectus contains this and other information about the underlying variable portfolios. Early withdrawals or surrenders may be subject to surrender charges. Withdrawals are also subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. For tax purposes only, withdrawals will come first from any gain in the contract. Federal and state tax laws in this area are complex and subject to change. Consult your personal tax adviser on all tax matters. Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount. Variable annuities are long-term investment vehicles designed to accumulate money on a tax-deferred basis for retirement purposes. Upon retirement, variable annuities may pay out an income stream of a series of payments or a lump sum. If you die during the accumulation or payout phase, your beneficiary may be eligible to receive any remaining Contract Value. Neither asset allocation nor diversification assures a gain or protects against a loss in declining markets. Guarantees are based upon the claims-paying ability of The Ohio National Life Insurance Company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Product, product features and rider availability vary by state. Certain features may vary by broker dealer. Issuer not licensed to conduct business in NY. CAR The Ohio National Life Insurance Company and its affiliates have financial interests in the sale of the products detailed within this material. ONcore variable annuity issuer: The Ohio National Life Insurance Company Registered product distributor: Ohio National Equities, Inc. Member FINRA One Financial Way Cincinnati, Ohio ohionational.com Form 9275 Rev Ohio National Financial Services, Inc.

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