Investment choices performance report December 31, 2017 The Best of America V Invest in your future
Answers to frequently asked questions. What you should know about purchasing a variable annuity What is a variable annuity? A variable annuity is an insurance contract designed to help you create a fixed or variable stream of retirement income through a process called annuitization. With a variable annuity, you can invest in one product with multiple underlying investment options and direct money into subaccounts based on how much risk you re willing to take. Variable annuities are for long-term investing; they re not appropriate for short-term financial goals. And variable annuities have fees and charges that include mortality and expense fees, administrative fees and contract maintenance fees. These fees are a percentage of the investment account value. What kind of investments can I choose from? Variable annuities offer a wide range of professionally managed investment options. With choices such as equity, bond and money market funds, you can create a portfolio designed to meet your investment goals. Please keep in mind that because these investment choices are subject to market fluctuation, investment risk and possible loss of principal, your annuity s value will vary depending on how they perform. Investment choices within a variable annuity are not publicly traded mutual funds and are only available for purchase in variable products. Fees in investment choices cover the fund manager s services and the costs of the underlying investments. Why should I consider a variable annuity? Variable annuities offer tax deferral and compounding, unique features that can help you prepare for retirement. Investment gains within a variable annuity are tax deferred, meaning they re not taxed until you take money from the annuity. This allows more of your money to remain invested. And when combined with the power of compounding, your investment has the potential to accumulate faster than taxable investments earning the same rate of return. When you decide to withdraw money from a variable annuity, the taxable portion will be subject to ordinary income tax. If you take your money out early, surrender charges may apply and, if you take it out before age 59½, a 10% federal tax penalty may apply. When would I be able to draw income from an annuity? Income from an annuity can be either deferred or immediate depending on the type of annuity you own and its features. Keep in mind that the guarantee of continued payments depends on the claims-paying ability of the insurance company. Deferred annuities Deferred annuities are designed to help you grow your assets and provide income at a later time. They re for long-term goals, like planning for retirement. They can be purchased through payments over time or with a single payment. Immediate annuities Immediate annuities are designed to start providing income right away. They re usually purchased with a lump-sum payment by people who have already retired or are close to retirement. What are the other features? Some variable annuities offer living features, like guaranteed accumulation, guaranteed withdrawal features or principal protection for extra security, at an additional cost. Most variable annuities offer a death feature a payment made to your beneficiary after your death which will be adjusted proportionally for any previous withdrawals. Other features, known as riders, may be offered at an additional cost as optional features.
Investment choices performance report Quality investments, confident choices What matters most to you also matters to us. That s why our team of investment specialists devotes both time and effort to build a lineup of quality investment options that you can choose from with confidence. We do the homework for you researching investments, crunching the numbers and looking for options that have demonstrated consistency in style, management and performance over time. The result is a lineup of investment options from brand-name managers across multiple asset classes. For the investment options that bear the Nationwide Variable Insurance Trust (NVIT) name, we ve hired many of these managers as subadvisors to bring their strategies and experience to your portfolio. Other investment options are available to you directly from third-party managers. We brought investors like you greater choice back in 1982 by pioneering the multimanager approach to variable insurance products. Today, you can benefit from Nationwide s experience as a manager of managers to bring you the investment options that can help you meet your financial goals. It s natural to want to know how your investments are doing over time This performance report shows how the investment choices within this variable annuity have performed over a series of time periods. These investment choices are not publicly traded mutual funds and are only available for purchase in variable products. Fees and expenses Fees and expenses charged by the investment choices cover the cost of the underlying investment as well as the fund manager s services, and they are reflected in the performance figures. Annual maintenance charge: $15 Mortality and expense risk charge: 1.10% Contingent deferred sales charge (CDSC): 0 1 2 3 4 5 6 7 CDSC 7% 7% 6% 5% 4% 3% 2% 0% Performance figures do not reflect the cost of optional riders. If the cost were included, performance figures would be lower. Helpful terms Annual maintenance charge: A fee charged to cover yearly expenses. Asset allocation: The mixture of asset classes an investor chooses based on his or her time horizon and risk tolerance. Markets are volatile and can decline in response to adverse developments. The use of asset allocation does not guarantee returns or protect you from potential losses. Asset class: A group of investments with similar characteristics, such as stocks, bonds or cash. Bear market: An extended period of declining stock prices, frequently occurring when there is an economic recession, unemployment is high and inflation is rising. Closed: A underlying investment option that is no longer accepting contributions from investors. Contingent deferred sales charge: A charge for withdrawals over a set time period that is highest at the beginning and drops to zero at the end of the time period. Current yield: A measure of the return an investor might expect if he or she purchased an investment and held it for one year. date: The date the underlying investment option first became available to investors. date: The date the underlying investment option was added to the Nationwide separate account. Mortality and expense risk charge: A fee assessed as a percentage of the contract value to cover the insurance guarantee, commissions, selling and administrative expenses. Separate account: An investment pool funded by contributions to variable contracts including variable annuities and variable life insurance. These assets are kept separate from Nationwide's general account. Short-term trading fees: Fees designed to offset the costs associated with short-term trading and to protect the long-term interests of all shareholders. Walled-off: An underlying investment option that is not open to new investors, but is still accepting contributions from existing investors. Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To request a copy, go to nationwide.com or call 1-800-848-6331.
Non-standardized performance: Without surrender charges (CDSC) applied The figures shown are calculated based on a one-time investment of $10,000 and reflect the deduction of all applicable charges, except for surrender charges (CDSC). These returns are measured from the inception date of the fund and may predate the offering of the fund in the Nationwide separate account. Where this occurs, the performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. -to-date returns are shown only for underlying investment options incepted on or before December 31 of the previous year. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call 1-800- 848-6331 or visit nationwide.com. The Best of America V Total Returns Periods Less Than 1 Month YTD Large cap stocks: Large-cap blend American Funds NVIT Growth-Income Fund - Class II 03/09/1987 0.99% 20.44% 20.44% 9.68% 13.57% 6.17% Fidelity VIP Growth & Income Portfolio - Service Class 2 12/31/1996 2.17% 15.18% 15.18% 8.24% 12.72% 5.62% Neuberger Berman NVIT Multi Cap Opportunities Fund - Class II 3 03/24/2008 1.55% 23.24% 23.24% 10.48% 15.05% 6.81% NVIT Managed American Funds Growth-Income Fund - Class II 8,13 07/08/2014 0.99% 20.06% 20.06% 8.77% N/A 8.19% NVIT Nationwide Fund - Class I 11/08/1982 0.10% 19.05% 19.05% 9.30% 13.41% 5.36% NVIT S&P 500 Index Fund - Class II 02/07/2000 0.98% 19.74% 19.74% 9.51% 13.84% 6.72% Oppenheimer Main Street Fund /VA - Non-Service Shares 07/05/1995 0.72% 15.48% 15.48% 9.12% 13.12% 6.40% Large cap stocks: Large-cap growth American Funds NVIT Growth Fund - Class II 02/08/1984 0.74% 26.25% 26.25% 12.65% 14.36% 6.50% Fidelity VIP Growth Portfolio - Service Class 10/09/1986-0.12% 33.37% 33.37% 11.94% 15.73% 6.45% Neuberger Berman NVIT Socially Responsible Fund - Class I 03/24/2008 1.50% 17.17% 17.17% 7.85% 13.48% 7.43% NVIT Large Cap Growth Fund - Class I 03/24/2009 0.72% 25.77% 25.77% 10.14% 14.20% 14.87% NVIT Multi-Manager Large Cap Growth Fund - Class I 03/24/2008 0.61% 28.63% 28.63% 9.86% 14.03% 7.78% Three 10 Large cap stocks: Large-cap value American Century NVIT Multi Cap Value Fund - Class I 3 03/24/2009 1.99% 7.33% 7.33% 6.47% 11.97% 13.14% BlackRock NVIT Equity Dividend Fund - Class I 10/31/1997 0.82% 16.55% 16.55% 7.88% 12.69% 6.34% Fidelity VIP Equity-Income Portfolio - Service Class 10/09/1986 1.42% 11.42% 11.42% 7.11% 10.80% 4.71% MFS VIT Value Series - Service Class 01/02/2002 1.09% 15.91% 15.91% 8.42% 13.23% 6.31% NVIT Multi-Manager Large Cap Value Fund - Class I 03/24/2008 1.86% 13.13% 13.13% 7.53% 12.71% 6.39% Mid cap stocks: Mid-cap blend Dreyfus IP MidCap Stock Portfolio - Service Shares 3 12/29/2000 0.22% 13.63% 13.63% 7.57% 12.87% 7.72% JPMorgan Insurance Trust Mid Cap Value Portfolio - Class 1 3 09/28/2001 0.34% 12.37% 12.37% 6.96% 12.74% 8.19% NVIT Mid Cap Index Fund - Class I 3 10/31/1997 0.10% 14.36% 14.36% 9.36% 13.22% 8.17%
The Best of America V Total Returns Periods Less Than 1 Month YTD Mid cap stocks: Mid-cap growth Ivy VIP Mid Cap Growth 3 04/28/2005 0.49% 25.35% 25.35% 6.91% 10.85% 8.14% NVIT Multi-Manager Mid Cap Growth Fund - Class I 3 03/24/2008 0.65% 26.19% 26.19% 9.36% 13.06% 7.56% Oppenheimer Discovery Mid Cap Growth Fund/VA - Non-Service Shares 3 08/15/1986-0.43% 27.23% 27.23% 10.63% 13.73% 6.09% Mid cap stocks: Mid-cap value AB VPS Small/Mid Cap Value Portfolio - Class B 3 05/01/2001 0.61% 11.46% 11.46% 8.56% 13.40% 8.26% American Century VP Mid Cap Value Fund - Class I 3 12/01/2004 1.19% 10.32% 10.32% 9.23% 14.05% 9.40% NVIT Multi-Manager Mid Cap Value Fund - Class II 3 03/24/2008 0.74% 12.44% 12.44% 7.79% 14.22% 9.02% Small cap stocks: Small-cap blend NVIT Multi-Manager Small Company Fund - Class I 3 10/23/1995-0.22% 12.09% 12.09% 9.73% 12.90% 6.95% NVIT Small Cap Index Fund - Class II 3 04/13/2007-0.51% 12.78% 12.78% 8.14% 12.36% 7.13% Oppenheimer Main Street Small Cap Fund /VA - Non-Service Shares 3 05/01/1998-0.05% 12.75% 12.75% 6.90% 13.52% 7.95% Small cap stocks: Small-cap growth MFS VIT New Discovery Series - Service Class 3 04/28/2000 0.56% 24.80% 24.80% 9.02% 10.58% 8.46% NVIT Multi-Manager Small Cap Growth Fund - Class I 3 05/03/1999 0.54% 23.41% 23.41% 9.52% 13.75% 5.58% Wells Fargo VT Small Cap Growth Fund - Class 2 3 05/01/1995-0.28% 24.33% 24.33% 8.26% 12.82% 7.18% Small cap stocks: Small-cap value Delaware VIPT Small Cap Value - Service Class 3 05/01/2000-0.53% 10.38% 10.38% 9.71% 12.65% 8.76% NVIT Multi-Manager Small Cap Value Fund - Class I 3 10/31/1997-0.82% 7.72% 7.72% 7.54% 12.80% 7.83% International stocks: Emerging markets Lazard Retirement Emerging Markets Equity Portfolio - Service Shares 2,5 11/04/1997 3.96% 26.27% 26.27% 5.92% 1.75% 0.89% NVIT Emerging Markets Fund - Class I 2,5 08/30/2000 2.77% 39.80% 39.80% 7.23% 2.73% -2.50% International stocks: Foreign large blend MFS VIT II International Value Portfolio - Service Class 2 08/23/2001 1.19% 25.28% 25.28% 10.50% 11.21% 5.39% NVIT International Equity Fund - Class I 2 08/30/2000 1.95% 25.91% 25.91% 6.28% 6.57% 0.60% NVIT International Index Fund - Class VIII 2 04/28/2006 1.29% 22.94% 22.94% 5.92% 5.66% -0.04% Putnam VT International Equity Fund - Class IB 2 01/02/1997 1.85% 25.04% 25.04% 6.00% 6.78% 0.08% International stocks: Foreign large growth Fidelity VIP Overseas Portfolio - Service Class 2 01/28/1987 1.45% 28.53% 28.53% 7.16% 7.55% 0.72% NVIT Multi-Manager International Growth Fund - Class I 2 03/24/2008 1.34% 24.24% 24.24% 5.67% 6.71% 3.29% Oppenheimer International Growth Fund/VA - Service Shares 2 03/19/2001 1.03% 24.91% 24.91% 6.91% 6.85% 2.89% International stocks: Foreign large value NVIT Multi-Manager International Value Fund - Class I 2 11/01/1991 1.83% 21.43% 21.43% 5.73% 4.86% -1.50% Templeton NVIT International Value Fund - Class I 2 03/24/2009 1.35% 21.22% 21.22% 4.72% 4.33% 7.35% Three 10
The Best of America V Total Returns Periods Less Than 1 Month YTD International stocks: World stock American Funds NVIT Global Growth Fund - Class II 2 04/30/1997 0.20% 29.38% 29.38% 10.44% 11.50% 5.64% Oppenheimer Global Fund/VA - Non-Service Shares 2 11/12/1990 1.04% 35.02% 35.02% 11.06% 11.74% 5.82% Bonds: Emerging markets bond PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class 2,5,9 03/31/2006 0.46% 8.43% 8.43% 5.34% 1.43% 4.68% Bonds: Floating rate bond Eaton Vance VT Floating-Rate Income Fund - Initial Class 4,5,6,9 05/02/2001 0.09% 2.16% 2.16% 2.43% 1.83% 2.66% Bonds: High yield bond BlackRock High Yield VI Fund - Class III 4,9 04/20/1982 0.17% 5.75% 5.75% 3.83% 4.08% 5.66% Columbia VP High Yield Bond Fund - Class 2 4,9 05/03/2010-0.09% 4.86% 4.86% 4.03% 3.80% 5.77% Federated NVIT High Income Bond Fund - Class I 4,9 10/31/1997 0.21% 5.44% 5.44% 4.57% 4.14% 5.01% Bonds: Inflation-protected bond American Century VP Inflation Protection Fund - Class II 6,9 12/31/2002 1.12% 2.38% 2.38% 0.55% -1.30% 1.89% Bonds: Intermediate government bond NVIT Government Bond Fund - Class I 6,9 11/08/1982 0.29% 0.81% 0.81% -0.36% -0.65% 1.56% Bonds: Intermediate-term bond American Funds NVIT Bond Fund - Class II 9 01/02/1996 0.26% 1.93% 1.93% 0.60% 0.30% 1.27% BlackRock Total Return VI Fund - Class III 9 04/20/1982 0.26% 1.92% 1.92% 0.59% 0.81% 2.34% Fidelity VIP Investment Grade Bond Portfolio - Service Class 9 12/30/1988 0.40% 2.87% 2.87% 1.39% 1.07% 3.09% Janus Henderson VIT Flexible Bond Portfolio: Service Shares 9 09/13/1993 0.20% 2.07% 2.07% 0.56% 0.69% 3.74% Lord Abbett Series Total Return Portfolio - Class VC 9 04/30/2010 0.35% 2.57% 2.57% 1.19% 1.18% 2.98% NVIT Core Bond Fund - Class I 9 03/24/2008 0.45% 3.10% 3.10% 1.69% 1.11% 2.94% NVIT Core Plus Bond Fund - Class II 9 03/24/2008 0.59% 2.48% 2.48% 0.90% 0.58% 3.41% PIMCO VIT Total Return Portfolio - Advisor Class 9 02/28/2006 0.43% 3.52% 3.52% 1.29% 0.67% 3.59% Bonds: Multisector bond NVIT Multi Sector Bond Fund - Class I 2,4,9 10/31/1997 0.52% 5.01% 5.01% 2.62% 1.59% 3.22% Oppenheimer Global Strategic Income Fund/VA - Non-Service Shares 2,4,9 05/03/1993 0.70% 4.96% 4.96% 2.15% 1.31% 3.03% Three 10
The Best of America V Total Returns Periods Less Than 1 Month YTD Bonds: World bond PIMCO VIT Foreign Bond Portfolio (Unhedged) - Advisor Class 2,9 03/31/2009 0.43% 9.37% 9.37% 0.61% -1.44% 2.26% Templeton Global Bond VIP Fund - Class 2 2,9 01/24/1989-1.58% 0.66% 0.66% -1.12% -0.49% 4.24% Short-term bonds: Short-term bond NVIT Short Term Bond Fund - Class II 9 03/24/2008-0.04% 0.31% 0.31% -0.03% -0.40% 0.57% PIMCO VIT Low Duration Portfolio - Advisor Class 9 03/31/2006 0.00% -0.01% -0.01% -0.34% -0.60% 1.45% Short-term bonds: Ultrashort bond PIMCO VIT Short-Term Portfolio - Advisor Class 9 09/30/2009-0.15% 1.03% 1.03% 0.58% 0.06% 0.23% Cash: Cash NVIT Government Money Market Fund - Class I 7-day current yield: -0.24% *1,6 11/10/1981-0.02% -0.83% -0.83% -1.11% -1.17% -1.01% Specialty: Equity sector Fidelity VIP Energy Portfolio - Service Class 2 5,10,15 07/19/2001 7.11% -3.99% -3.99% -0.32% 0.91% -2.49% Janus Henderson VIT Global Technology Portfolio: Service Shares 2,5 01/18/2000 0.09% 43.17% 43.17% 18.50% 19.21% 10.40% Morgan Stanley VIF Global Infrastructure Portfolio - Class II 2,5,11 06/05/2000-0.85% 11.16% 11.16% 2.37% 7.27% 4.43% T. Rowe Price Health Sciences Portfolio - Class II 5 12/29/2000-0.50% 25.76% 25.76% 7.19% 18.94% 13.25% Specialty: Multialternative Guggenheim VF Multi-Hedge Strategies 3,5,16 11/29/2005 1.01% 2.39% 2.39% 0.40% 0.98% -1.42% Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Service Class 2,5,15 05/01/2006 8.97% -3.20% -3.20% -3.53% -4.90% -3.82% Specialty: Real estate Fidelity VIP Real Estate Portfolio - Service Class 2 5,7 11/06/2002-0.17% 2.48% 2.48% 2.95% 7.04% 6.07% NVIT Real Estate Fund - Class I 5,7 03/24/2008 0.28% 5.18% 5.18% 1.38% 6.21% 4.79% Asset allocation: Aggressive allocation Franklin Founding Funds Allocation VIP Fund - Class 2 8,14 07/02/2007 1.42% 10.60% 10.60% 4.61% 7.31% 3.39% NVIT Cardinal SM Aggressive Fund - Class II 8,14 03/27/2008 1.12% 18.33% 18.33% 7.11% 10.18% 5.50% NVIT Cardinal SM Moderately Aggressive Fund - Class II 8,14 03/27/2008 1.03% 16.62% 16.62% 6.42% 8.87% 5.22% NVIT Investor Destinations Aggressive Fund - Class II 8,14 12/12/2001 0.69% 16.98% 16.98% 7.33% 10.04% 4.48% NVIT Investor Destinations Moderately Aggressive Fund - Class II 8,14 12/12/2001 0.71% 15.25% 15.25% 6.57% 8.71% 4.32% *Current yield more closely reflects current money market fund earnings than the total return calculation. Three 10
The Best of America V Total Returns Periods Less Than 1 Month YTD Asset allocation: Conservative allocation Franklin Income VIP Fund - Class 2 4,14 01/24/1989 0.72% 8.32% 8.32% 3.83% 5.43% 4.26% NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/2008 0.79% 10.67% 10.67% 4.25% 5.75% 4.22% NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/2008 0.53% 5.04% 5.04% 2.08% 2.39% 2.72% NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/2013 0.87% 13.36% 13.36% 3.75% N/A 4.30% NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/2008 0.66% 8.53% 8.53% 3.54% 4.63% 3.79% NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/2009 0.50% 9.76% 9.76% 4.34% 5.64% 7.47% NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/2001 0.30% 4.37% 4.37% 2.09% 2.49% 2.25% NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/2013 0.60% 12.63% 12.63% 3.95% N/A 4.13% NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/2001 0.43% 7.86% 7.86% 3.59% 4.66% 3.23% Asset allocation: Moderate allocation American Funds NVIT Asset Allocation Fund - Class II 2,3,14 08/01/1989 0.82% 14.37% 14.37% 7.09% 9.19% 5.15% BlackRock NVIT Managed Global Allocation Fund - Class II 2,8,13,14 07/07/2015 0.70% 16.98% 16.98% N/A N/A 4.46% Fidelity VIP Balanced Portfolio - Service Class 2 10,14 01/03/1995 0.58% 14.69% 14.69% 6.30% 9.01% 5.52% NVIT Cardinal SM Capital Appreciation Fund - Class II 8,14 03/27/2008 0.92% 14.39% 14.39% 5.71% 7.93% 5.00% NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/2013 0.96% 16.35% 16.35% 4.65% N/A 4.87% NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/2008 0.90% 12.57% 12.57% 5.05% 6.88% 4.64% NVIT DFA Moderate Fund - Class II 8,11,14 01/07/2013 1.01% 12.43% 12.43% 5.42% N/A 6.59% NVIT Investor Destinations Capital Appreciation Fund - Class II 8,14 03/24/2009 0.65% 13.40% 13.40% 5.83% 7.79% 9.91% NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/2013 0.71% 15.53% 15.53% 4.99% N/A 4.80% NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/2001 0.56% 11.54% 11.54% 5.12% 6.83% 3.92% NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/2014 0.85% 15.96% 15.96% 6.16% N/A 5.23% Asset allocation: Tactical allocation Goldman Sachs VIT Global Trends Allocation Fund - Service Shares 2,14 04/16/2012 0.89% 11.72% 11.72% 2.29% 4.29% 4.28% PIMCO VIT All Asset Portfolio - Advisor Class 2,8,14 04/30/2004 1.72% 11.98% 11.98% 3.84% 1.88% 3.38% Asset allocation: Target date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 8,12 04/26/2005 0.74% 11.60% 11.60% 4.53% 5.70% 3.76% Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 8,12,14 04/26/2005 1.00% 15.04% 15.04% 5.83% 7.03% 3.88% Fidelity VIP Freedom Fund 2030 Portfolio - Service Class 8,12,14 04/26/2005 1.19% 19.34% 19.34% 7.31% 8.98% 4.33% Asset allocation: World allocation BlackRock Global Allocation VI Fund - Class III 2,14 11/18/2003 0.51% 12.31% 12.31% 4.02% 5.08% 3.11% NVIT DFA Capital Appreciation Fund - Class II 2,8,14 01/07/2013 1.44% 16.44% 16.44% 7.00% N/A 8.33% Three 10
A. Non-standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $10,000 and reflect the deduction of all applicable charges. The performance calculations also reflect the 10% free withdrawal privilege available with this product. These returns are measured from the inception date of the underlying investment options and may predate the offering of the underlying investment options in the Nationwide separate account. Where this occurs, performance is hypothetical in that it depicts how the underlying inv estment options would have performed had it been available in the Nationwide separate account during the time period. B. Standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $1,000 and reflect the deduction of all applicable charges. The performance calculations also reflect the 10% free withdrawal privilege available with this product. These returns are measured from the date the underlying investment options was included in the Nationwide separate account. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call 1-800- 848-6331 or visit nationwide.com. The Best of America V A. Non-standardized Performance: 10 B. Standardized Performance: 10 Large cap stocks: Large-cap blend American Funds NVIT Growth-Income Fund - Class II 03/09/1987 14.14% 13.13% 6.17% 12.79% 12.08% 4.67% 05/01/2007 Fidelity VIP Growth & Income Portfolio - Service Class 2 12/31/1996 8.88% 12.27% 5.62% 7.53% N/A 11.95% 05/02/2016 Neuberger Berman NVIT Multi Cap Opportunities Fund - Class II 3 03/24/2008 16.94% 14.64% 6.80% 15.59% N/A 15.25% 05/02/2016 NVIT Managed American Funds Growth-Income Fund - Class II 8,13 07/08/2014 13.76% N/A 7.26% 11.06% N/A 3.95% 07/14/2014 NVIT Nationwide Fund - Class I 11/08/1982 12.75% 12.97% 5.36% 11.40% 11.91% 3.76% 11/03/1997 NVIT S&P 500 Index Fund - Class II 02/07/2000 13.44% 13.40% 6.72% 12.09% N/A 10.60% 05/01/2013 Oppenheimer Main Street Fund /VA - Non-Service Shares 07/05/1995 9.18% 12.67% 6.40% 7.83% 11.62% 4.93% 11/03/1997 Large cap stocks: Large-cap growth American Funds NVIT Growth Fund - Class II 02/08/1984 19.95% 13.94% 6.50% 18.60% 12.86% 4.94% 05/01/2006 Fidelity VIP Growth Portfolio - Service Class 10/09/1986 27.07% 15.32% 6.45% 25.72% 14.30% 4.81% 11/03/1997 Neuberger Berman NVIT Socially Responsible Fund - Class I 03/24/2008 10.87% 13.04% 7.42% 9.52% 12.01% 5.63% 05/01/2008 NVIT Large Cap Growth Fund - Class I 03/24/2009 19.47% 13.77% 14.86% 18.12% 12.73% 12.96% 05/01/2009 NVIT Multi-Manager Large Cap Growth Fund - Class I 03/24/2008 22.33% 13.60% 7.78% 20.98% 12.55% 5.80% 05/01/2008 Large cap stocks: Large-cap value American Century NVIT Multi Cap Value Fund - Class I 3 03/24/2009 1.03% 11.51% 13.13% -0.32% 10.45% 11.65% 05/01/2009 BlackRock NVIT Equity Dividend Fund - Class I 10/31/1997 10.25% 12.24% 6.34% 8.90% 11.17% 4.89% 11/03/1997 Fidelity VIP Equity-Income Portfolio - Service Class 10/09/1986 5.12% 10.32% 4.71% 3.77% 9.20% 3.13% 11/03/1997 MFS VIT Value Series - Service Class 01/02/2002 9.61% 12.79% 6.31% 8.26% 11.74% 4.87% 05/01/2002 NVIT Multi-Manager Large Cap Value Fund - Class I 03/24/2008 6.83% 12.26% 6.38% 5.48% 11.21% 8.74% 04/30/2010
The Best of America V A. Non-standardized Performance: 10 B. Standardized Performance: 10 Mid cap stocks: Mid-cap blend Dreyfus IP MidCap Stock Portfolio - Service Shares 3 12/29/2000 7.33% 12.42% 7.72% 5.98% N/A 6.27% 05/01/2014 JPMorgan Insurance Trust Mid Cap Value Portfolio - Class 1 3 09/28/2001 6.07% 12.29% 8.19% 4.72% 11.25% 6.91% 05/03/2004 NVIT Mid Cap Index Fund - Class I 3 10/31/1997 8.06% 12.78% 8.17% 6.71% 11.72% 6.87% 11/03/1997 Mid cap stocks: Mid-cap growth Ivy VIP Mid Cap Growth 3 04/28/2005 19.05% 10.37% 8.14% 17.70% 9.23% 6.91% 06/01/2005 NVIT Multi-Manager Mid Cap Growth Fund - Class I 3 03/24/2008 19.89% 12.62% 7.55% 18.54% 11.55% 5.72% 05/01/2008 Oppenheimer Discovery Mid Cap Growth Fund/VA - Non-Service Shares 3 08/15/1986 20.93% 13.30% 6.09% 19.58% 12.24% 4.47% 11/03/1997 Mid cap stocks: Mid-cap value AB VPS Small/Mid Cap Value Portfolio - Class B 3 05/01/2001 5.16% 12.96% 8.26% 3.81% 11.92% 6.99% 05/01/2002 American Century VP Mid Cap Value Fund - Class I 3 12/01/2004 4.02% 13.62% 9.40% 2.67% 12.59% 8.24% 05/01/2006 NVIT Multi-Manager Mid Cap Value Fund - Class II 3 03/24/2008 6.14% 13.79% 9.01% 4.79% 12.78% 7.23% 05/01/2008 Small cap stocks: Small-cap blend NVIT Multi-Manager Small Company Fund - Class I 3 10/23/1995 5.79% 12.45% 6.95% 4.44% 11.39% 5.57% 11/03/1997 NVIT Small Cap Index Fund - Class II 3 04/13/2007 6.48% 11.90% 7.13% 5.13% N/A 9.49% 05/01/2013 Oppenheimer Main Street Small Cap Fund /VA - Non-Service Shares 3 05/01/1998 6.45% 13.08% 7.95% 5.10% 12.07% 6.63% 05/01/2006 Small cap stocks: Small-cap growth MFS VIT New Discovery Series - Service Class 3 04/28/2000 18.50% 10.09% 8.46% 17.15% 8.95% 7.26% 05/01/2002 NVIT Multi-Manager Small Cap Growth Fund - Class I 3 05/03/1999 17.11% 13.32% 5.58% 15.76% 12.28% 3.95% 05/03/1999 Wells Fargo VT Small Cap Growth Fund - Class 2 3 05/01/1995 18.03% 12.37% 7.18% 16.68% 11.32% 12.80% 05/01/2009 Small cap stocks: Small-cap value Delaware VIPT Small Cap Value - Service Class 3 05/01/2000 4.08% 12.20% 8.76% 2.73% N/A 10.14% 05/01/2013 NVIT Multi-Manager Small Cap Value Fund - Class I 3 10/31/1997 1.42% 12.35% 7.83% 0.07% 11.32% 6.54% 11/03/1997 International stocks: Emerging markets Lazard Retirement Emerging Markets Equity Portfolio - Service Shares 2,5 11/04/1997 19.97% 1.07% 0.89% 18.62% N/A 0.43% 05/01/2014 NVIT Emerging Markets Fund - Class I 2,5 08/30/2000 33.50% 2.07% -2.50% 32.15% 0.46% -4.94% 10/02/2000 International stocks: Foreign large blend MFS VIT II International Value Portfolio - Service Class 2 08/23/2001 18.98% 10.73% 5.39% 17.63% 9.59% 8.63% 05/03/2010 NVIT International Equity Fund - Class I 2 08/30/2000 19.61% 6.00% 0.60% 18.26% 4.71% -1.34% 10/02/2000 NVIT International Index Fund - Class VIII 2 04/28/2006 16.64% 5.07% -0.04% 15.29% 3.76% -1.99% 05/01/2006 Putnam VT International Equity Fund - Class IB 2 01/02/1997 18.74% 6.22% 0.08% 17.39% 4.97% -1.91% 11/03/2003
The Best of America V A. Non-standardized Performance: 10 B. Standardized Performance: 10 International stocks: Foreign large growth Fidelity VIP Overseas Portfolio - Service Class 2 01/28/1987 22.23% 7.00% 0.72% 20.88% 5.77% -1.20% 11/03/1997 NVIT Multi-Manager International Growth Fund - Class I 2 03/24/2008 17.94% 6.15% 3.28% 16.59% 4.89% 8.39% 05/01/2009 Oppenheimer International Growth Fund/VA - Service Shares 2 03/19/2001 18.61% 6.29% 2.89% 17.26% N/A -0.04% 05/01/2014 International stocks: Foreign large value NVIT Multi-Manager International Value Fund - Class I 2 11/01/1991 15.13% 4.26% -1.50% 13.78% N/A -1.07% 04/25/2014 Templeton NVIT International Value Fund - Class I 2 03/24/2009 14.92% 3.72% 7.34% 13.57% 2.37% 5.40% 05/01/2009 International stocks: World stock American Funds NVIT Global Growth Fund - Class II 2 04/30/1997 23.08% 11.03% 5.64% 21.73% 9.89% 4.15% 05/01/2006 Oppenheimer Global Fund/VA - Non-Service Shares 2 11/12/1990 28.72% 11.28% 5.82% 27.37% 10.12% 4.32% 05/01/2000 Bonds: Emerging markets bond PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class 2,5,9 03/31/2006 2.13% 0.75% 4.68% 0.78% N/A 0.84% 04/30/2014 Bonds: Floating rate bond Eaton Vance VT Floating-Rate Income Fund - Initial Class 4,5,6,9 05/02/2001-4.14% 1.15% 2.66% -5.49% N/A -0.99% 04/30/2014 Bonds: High yield bond BlackRock High Yield VI Fund - Class III 4,9 04/20/1982-0.55% 3.46% 5.66% -1.90% N/A -0.39% 05/01/2015 Columbia VP High Yield Bond Fund - Class 2 4,9 05/03/2010-1.44% 3.18% 5.76% N/A N/A -6.29% 05/01/2017 Federated NVIT High Income Bond Fund - Class I 4,9 10/31/1997-0.86% 3.52% 5.01% -2.21% 2.18% 3.77% 11/03/1997 Bonds: Inflation-protected bond American Century VP Inflation Protection Fund - Class II 6,9 12/31/2002-3.92% -2.02% 1.89% -5.27% -3.51% 0.61% 04/30/2003 Bonds: Intermediate government bond NVIT Government Bond Fund - Class I 6,9 11/08/1982-5.49% -1.38% 1.56% -6.80% -2.80% 0.28% 11/03/1997 Bonds: Intermediate-term bond American Funds NVIT Bond Fund - Class II 9 01/02/1996-4.37% -0.42% 1.27% -5.72% -1.82% -0.11% 05/01/2006 BlackRock Total Return VI Fund - Class III 9 04/20/1982-4.38% 0.11% 2.34% -5.73% N/A -3.20% 05/01/2015 Fidelity VIP Investment Grade Bond Portfolio - Service Class 9 12/30/1988-3.43% 0.37% 3.09% -4.78% -1.05% 1.87% 05/01/2003 Janus Henderson VIT Flexible Bond Portfolio: Service Shares 9 09/13/1993-4.23% -0.02% 3.74% -5.58% N/A -3.27% 05/01/2015 Lord Abbett Series Total Return Portfolio - Class VC 9 04/30/2010-3.73% 0.48% 2.97% -5.08% N/A -4.09% 05/02/2016 NVIT Core Bond Fund - Class I 9 03/24/2008-3.20% 0.41% 2.93% -4.55% -1.01% 1.72% 05/01/2008 NVIT Core Plus Bond Fund - Class II 9 03/24/2008-3.82% -0.14% 3.40% -5.17% -1.55% 2.21% 05/01/2008 PIMCO VIT Total Return Portfolio - Advisor Class 9 02/28/2006-2.78% -0.04% 3.59% -4.13% -1.46% 0.04% 05/02/2011 Bonds: Multisector bond NVIT Multi Sector Bond Fund - Class I 2,4,9 10/31/1997-1.29% 0.91% 3.22% -2.64% -0.53% 1.93% 11/03/1997 Oppenheimer Global Strategic Income Fund/VA - Non-Service Shares 2,4,9 05/03/1993-1.34% 0.62% 3.03% -2.69% -0.82% -0.56% 10/26/2012
The Best of America V A. Non-standardized Performance: 10 B. Standardized Performance: 10 Bonds: World bond PIMCO VIT Foreign Bond Portfolio (Unhedged) - Advisor Class 2,9 03/31/2009 3.07% -2.15% 2.25% 1.72% -3.68% 1.05% 05/01/2009 Templeton Global Bond VIP Fund - Class 2 2,9 01/24/1989-5.64% -1.21% 4.24% -6.94% N/A -3.67% 04/30/2014 Short-term bonds: Short-term bond NVIT Short Term Bond Fund - Class II 9 03/24/2008-5.99% -1.13% 0.55% -7.26% -2.53% -0.84% 05/01/2008 PIMCO VIT Low Duration Portfolio - Advisor Class 9 03/31/2006-6.31% -1.33% 1.45% -7.56% -2.73% 0.34% 05/01/2009 Short-term bonds: Ultrashort bond PIMCO VIT Short-Term Portfolio - Advisor Class 9 09/30/2009-5.27% -0.67% 0.21% -6.59% N/A -4.13% 04/29/2016 Cash: Cash NVIT Government Money Market Fund - Class I 7-day current yield: -0.24% *1,6 11/10/1981-7.07% -1.89% -1.01% -8.33% -3.30% -2.52% 10/31/1997 Specialty: Equity sector Fidelity VIP Energy Portfolio - Service Class 2 5,10,15 07/19/2001-10.01% 0.21% -2.49% -11.27% -1.17% -4.58% 05/02/2005 Janus Henderson VIT Global Technology Portfolio: Service Shares 2,5 01/18/2000 36.87% 18.85% 10.40% 35.52% 17.81% 9.02% 01/27/2000 Morgan Stanley VIF Global Infrastructure Portfolio - Class II 2,5,11 06/05/2000 4.86% 6.72% 4.43% 3.51% N/A -2.25% 05/01/2015 T. Rowe Price Health Sciences Portfolio - Class II 5 12/29/2000 19.46% 18.57% 13.25% 18.11% 17.71% 17.17% 05/03/2010 Specialty: Multialternative Guggenheim VF Multi-Hedge Strategies 3,5,16 11/29/2005-3.91% 0.28% -1.42% -5.26% N/A -1.48% 05/01/2013 Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Service Class 2,5,15 05/01/2006-9.27% -5.57% -3.82% -10.53% -7.25% -7.11% 05/01/2012 Specialty: Real estate Fidelity VIP Real Estate Portfolio - Service Class 2 5,7 11/06/2002-3.82% 6.49% 6.07% N/A N/A -6.36% 05/01/2017 NVIT Real Estate Fund - Class I 5,7 03/24/2008-1.12% 5.64% 4.78% -2.47% 4.40% 2.89% 05/01/2008 Asset allocation: Aggressive allocation Franklin Founding Funds Allocation VIP Fund - Class 2 8,14 07/02/2007 4.30% 6.77% 3.39% 2.95% 5.56% 2.51% 05/01/2008 NVIT Cardinal SM Aggressive Fund - Class II 8,14 03/27/2008 12.03% 9.69% 5.49% 10.68% 8.55% 3.40% 05/01/2008 NVIT Cardinal SM Moderately Aggressive Fund - Class II 8,14 03/27/2008 10.32% 8.36% 5.21% 8.97% 7.18% 3.26% 05/01/2008 NVIT Investor Destinations Aggressive Fund - Class II 8,14 12/12/2001 10.68% 9.55% 4.48% 9.33% 8.40% 2.95% 12/21/2001 NVIT Investor Destinations Moderately Aggressive Fund - Class II 8,14 12/12/2001 8.95% 8.19% 4.32% 7.60% 7.01% 2.86% 12/21/2001 *Current yield more closely reflects current money market fund earnings than the total return calculation.
The Best of America V A. Non-standardized Performance: 10 B. Standardized Performance: 10 Asset allocation: Conservative allocation Franklin Income VIP Fund - Class 2 4,14 01/24/1989 2.02% 4.84% 4.26% 0.67% 3.56% 2.91% 05/01/2006 NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/2008 4.37% 5.17% 4.21% 3.02% 3.91% 2.52% 05/01/2008 NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/2008-1.26% 1.73% 2.71% -2.61% 0.35% 1.24% 05/01/2008 NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/2013 7.06% N/A 3.60% 5.71% N/A 2.30% 05/01/2013 NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/2008 2.23% 4.03% 3.78% 0.88% 2.73% 2.16% 05/01/2008 NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/2009 3.46% 5.05% 7.46% 2.11% 3.78% 5.80% 05/01/2009 NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/2001-1.93% 1.82% 2.25% -3.28% 0.46% 0.91% 12/21/2001 NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/2013 6.33% N/A 3.42% 4.98% N/A 2.11% 05/01/2013 NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/2001 1.56% 4.05% 3.23% 0.21% 2.76% 1.87% 12/21/2001 Asset allocation: Moderate allocation American Funds NVIT Asset Allocation Fund - Class II 2,3,14 08/01/1989 8.07% 8.68% 5.15% 6.72% 7.52% 3.74% 05/01/2006 BlackRock NVIT Managed Global Allocation Fund - Class II 2,8,13,14 07/07/2015 10.68% N/A 2.33% 9.33% N/A 5.29% 05/02/2016 Fidelity VIP Balanced Portfolio - Service Class 2 10,14 01/03/1995 8.39% 8.49% 5.52% 7.04% N/A 6.25% 05/02/2016 NVIT Cardinal SM Capital Appreciation Fund - Class II 8,14 03/27/2008 8.09% 7.39% 4.99% 6.74% 6.19% 3.13% 05/01/2008 NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/2013 10.05% N/A 4.19% 8.70% N/A 2.91% 05/01/2013 NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/2008 6.27% 6.32% 4.63% 4.92% 5.09% 2.86% 05/01/2008 NVIT DFA Moderate Fund - Class II 8,11,14 01/07/2013 6.13% N/A 6.00% 4.78% N/A 1.25% 05/01/2015 NVIT Investor Destinations Capital Appreciation Fund - Class II 8,14 03/24/2009 7.10% 7.25% 9.90% 5.75% 6.05% 8.09% 05/01/2009 NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/2013 9.23% N/A 4.11% 7.88% N/A 2.83% 05/01/2013 NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/2001 5.24% 6.27% 3.92% 3.89% 5.04% 2.52% 12/21/2001 NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/2014 9.66% N/A 4.23% 6.96% N/A 0.91% 07/14/2014 Asset allocation: Tactical allocation Goldman Sachs VIT Global Trends Allocation Fund - Service Shares 2,14 04/16/2012 5.42% 3.67% 3.86% 4.07% 2.36% 2.43% 05/01/2012 PIMCO VIT All Asset Portfolio - Advisor Class 2,8,14 04/30/2004 5.68% 1.21% 3.38% 4.33% -0.28% 0.91% 05/01/2012 Asset allocation: Target date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 8,12 04/26/2005 5.30% 5.12% 3.76% 3.95% 3.84% 2.38% 05/01/2006 Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 8,12,14 04/26/2005 8.74% 6.48% 3.88% 7.39% 5.23% 2.42% 05/01/2006 Fidelity VIP Freedom Fund 2030 Portfolio - Service Class 8,12,14 04/26/2005 13.04% 8.47% 4.33% 11.69% 7.27% 2.81% 05/01/2006 Asset allocation: World allocation BlackRock Global Allocation VI Fund - Class III 2,14 11/18/2003 6.01% 4.48% 3.11% 4.66% 3.20% 5.53% 05/01/2009 NVIT DFA Capital Appreciation Fund - Class II 2,8,14 01/07/2013 10.14% N/A 7.78% 8.79% N/A 2.78% 05/01/2015
Non-standardized performance: Without surrender charges (CDSC) applied The figures shown are calculated based on a one-time investment of $10,000 and reflect the deduction of all applicable charges, except for surrender charges (CDSC). These returns are measured from the inception date of the fund and may predate the offering of the fund in the Nationwide separate account. Where this occurs, the performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. -to-date returns are shown only for underlying investment options incepted on or before December 31 of the previous year. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call 1-800- 848-6331 or visit nationwide.com. Walled-off and closed underlying investment options The Best of America V Status Total Returns Periods Less Than 1 Month YTD Large cap stocks: Large-cap blend Dreyfus Stock Index Fund, Inc. - Initial Shares Walled Off 09/29/1989 1.01% 20.06% 20.06% 9.77% 14.12% 6.91% Dreyfus Sustainable U.S. Equity Portfolio, Inc. - Initial Shares Walled Off 10/06/1993-0.09% 13.92% 13.92% 5.88% 12.08% 6.56% Dreyfus VIF Appreciation Portfolio - Initial Shares Walled Off 04/05/1993 1.91% 25.79% 25.79% 8.89% 10.54% 6.39% Neuberger Berman NVIT Multi Cap Opportunities Fund - Class I 3 Walled Off 03/24/2008 1.50% 23.33% 23.33% 10.57% 15.17% 6.96% Large cap stocks: Large-cap growth Invesco VI American Franchise Fund - Series II Walled Off 09/18/2000-0.09% 25.48% 25.48% 9.36% 14.09% 6.84% Janus Henderson VIT Forty Portfolio: Service Shares Walled Off 05/01/1997-0.48% 28.42% 28.42% 12.65% 14.67% 6.36% Neuberger Berman AMT Socially Responsive Portfolio - I Class Walled Off 02/18/1999 1.46% 16.98% 16.98% 7.66% 13.12% 6.21% Large cap stocks: Large-cap value American Century VP Income & Growth Fund - Class I Walled Off 10/30/1997 1.38% 19.01% 19.01% 7.52% 13.17% 6.15% BlackRock Equity Dividend VI Fund - Class III Walled Off 07/01/1993 0.83% 15.06% 15.06% 8.92% 11.31% 4.66% Fidelity VIP Value Strategies Portfolio - Service Class 3 Walled Off 02/20/2002 1.20% 17.75% 17.75% 6.82% 10.63% 5.75% NVIT Multi-Manager Large Cap Value Fund - Class II Closed 03/24/2008 1.89% 12.96% 12.96% 7.28% 12.43% 6.13% Mid cap stocks: Mid-cap blend Invesco VI Mid Cap Core Equity Fund - Series II 3 Walled Off 09/10/2001 0.48% 13.25% 13.25% 6.16% 9.36% 4.81% Three 10
Walled-off and closed underlying investment options The Best of America V Status Total Returns Periods Less Than 1 Month YTD Mid cap stocks: Mid-cap growth Fidelity VIP Mid Cap Portfolio - Service Class 3 Walled Off 12/28/1998 1.57% 19.23% 19.23% 8.70% 12.64% 6.63% Invesco VI Mid Cap Growth Fund - Series II 3 Walled Off 09/25/2000 0.46% 20.65% 20.65% 6.14% 11.44% 5.60% Neuberger Berman AMT Mid-Cap Growth Portfolio - S Class 3 Walled Off 11/03/1997-0.01% 23.05% 23.05% 8.08% 11.86% 5.83% Small cap stocks: Small-cap blend Dreyfus IP Small Cap Stock Index Portfolio - Service Shares 3 Walled Off 05/01/2002-0.63% 11.02% 11.02% 9.97% 13.97% 8.61% Small cap stocks: Small-cap value Franklin VIPT Small Cap Value VIP Fund - Class 2 3 Walled Off 04/30/1998-0.49% 9.29% 9.29% 8.73% 11.46% 7.40% International stocks: Emerging markets Templeton VIPT Developing Markets VIP Fund - Class 2 2,5 Walled Off 03/04/1996 2.52% 38.72% 38.72% 8.48% 2.46% -0.36% VanEck VIP Trust Emerging Markets Fund - Initial Class 2,5 Walled Off 12/21/1995 4.04% 49.23% 49.23% 7.78% 6.39% 1.57% International stocks: Foreign large blend Janus Henderson VIT Overseas Portfolio: Service Shares 2 Walled Off 05/02/1994 1.27% 29.22% 29.22% 2.32% 0.97% -2.17% International stocks: Foreign large value Templeton VIPT Foreign VIP Fund - Class 2 2 Walled Off 05/01/1992 2.29% 15.26% 15.26% 4.04% 3.73% 0.51% Bonds: Emerging markets bond Morgan Stanley VIF Emerging Markets Debt Portfolio - Class I 2,5,9 Closed 06/16/1997 0.28% 8.36% 8.36% 4.93% 1.12% 4.33% Bonds: High yield bond Fidelity VIP High Income Portfolio - Service Class 4,9 Walled Off 09/19/1985 0.37% 5.75% 5.75% 4.32% 3.46% 4.96% Ivy VIP High Income 4,9 Walled Off 07/13/1987 0.70% 5.36% 5.36% 3.73% 4.17% 6.62% Bonds: Intermediate-term bond Morgan Stanley VIF Core Plus Fixed Income Portfolio - Class I 9 Walled Off 01/02/1997 0.55% 4.93% 4.93% 2.56% 2.50% 2.64% Bonds: Investment grade bond Federated Quality Bond Fund II - Primary Shares 9 Walled Off 04/22/1999 0.18% 2.74% 2.74% 1.24% 1.20% 3.11% Short-term bonds: Short-term bond Neuberger Berman AMT Short Duration Bond Portfolio - I Class 9 Walled Off 09/10/1984-0.09% -0.37% -0.37% -0.49% -0.55% -0.11% Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Initial Class 2,3,5,15 Closed 09/01/1989 9.01% -2.93% -2.93% -3.29% -4.65% -3.52% Asset allocation: Conservative allocation AB VPS Dynamic Asset Allocation Portfolio - Class B 2,14 Walled Off 04/01/2011 0.84% 12.92% 12.92% 3.96% 5.04% 4.17% Asset allocation: World allocation Ivy VIP Asset Strategy 2,14 Walled Off 05/01/1995 1.26% 16.83% 16.83% 0.56% 3.31% 2.11% Three 10
A. Non-standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $10,000 and reflect the deduction of all applicable charges. The performance calculations also reflect the 10% free withdrawal privilege available with this product. These returns are measured from the inception date of the underlying investment options and may predate the offering of the underlying investment options in the Nationwide separate account. Where this occurs, performance is hypothetical in that it depicts how the underlying inv estment options would have performed had it been available in the Nationwide separate account during the time period. B. Standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $1,000 and reflect the deduction of all applicable charges. The performance calculations also reflect the 10% free withdrawal privilege available with this product. These returns are measured from the date the underlying investment options was included in the Nationwide separate account. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call 1-800- 848-6331 or visit nationwide.com. Walled-off and closed underlying investment options The Best of America V Status A. Non-standardized Performance: 10 B. Standardized Performance: 10 Large cap stocks: Large-cap blend Dreyfus Stock Index Fund, Inc. - Initial Shares Walled Off 09/29/1989 13.76% 13.69% 6.91% 12.41% 12.65% 5.46% 11/03/1997 Dreyfus Sustainable U.S. Equity Portfolio, Inc. - Initial Shares Walled Off 10/06/1993 7.62% 11.62% 6.56% 6.27% 10.57% 5.21% 11/03/1997 Dreyfus VIF Appreciation Portfolio - Initial Shares Walled Off 04/05/1993 19.49% 10.05% 6.39% 18.14% 8.87% 5.03% 11/03/1997 Neuberger Berman NVIT Multi Cap Opportunities Fund - Class I 3 Walled Off 03/24/2008 17.03% 14.75% 6.95% 15.68% 13.74% 4.79% 05/01/2008 Large cap stocks: Large-cap growth Invesco VI American Franchise Fund - Series II Walled Off 09/18/2000 19.18% 13.66% 6.84% 17.83% 12.63% 5.36% 05/01/2002 Janus Henderson VIT Forty Portfolio: Service Shares Walled Off 05/01/1997 22.12% 14.25% 6.36% 20.77% 13.20% 4.79% 01/27/2000 Neuberger Berman AMT Socially Responsive Portfolio - I Class Walled Off 02/18/1999 10.68% 12.68% 6.21% 9.33% 11.64% 4.75% 11/03/2003 Large cap stocks: Large-cap value American Century VP Income & Growth Fund - Class I Walled Off 10/30/1997 12.71% 12.73% 6.15% 11.36% 11.68% 4.67% 11/03/1997 BlackRock Equity Dividend VI Fund - Class III Walled Off 07/01/1993 8.76% 10.84% 4.66% 7.41% N/A 6.70% 05/01/2015 Fidelity VIP Value Strategies Portfolio - Service Class 3 Walled Off 02/20/2002 11.45% 10.15% 5.75% 10.10% 9.03% 4.21% 05/01/2002 NVIT Multi-Manager Large Cap Value Fund - Class II Closed 03/24/2008 6.66% 11.97% 6.12% 5.31% 10.92% 4.19% 05/01/2008
Walled-off and closed underlying investment options The Best of America V Status A. Non-standardized Performance: 10 B. Standardized Performance: 10 Mid cap stocks: Mid-cap blend Invesco VI Mid Cap Core Equity Fund - Series II 3 Walled Off 09/10/2001 6.95% 8.85% 4.81% 5.60% 7.70% 6.58% 05/01/2012 Mid cap stocks: Mid-cap growth Fidelity VIP Mid Cap Portfolio - Service Class 3 Walled Off 12/28/1998 12.93% 12.19% 6.63% 11.58% 11.12% 5.23% 05/01/2006 Invesco VI Mid Cap Growth Fund - Series II 3 Walled Off 09/25/2000 14.35% 10.97% 5.60% 13.00% 9.90% 8.01% 04/27/2012 Neuberger Berman AMT Mid-Cap Growth Portfolio - S Class 3 Walled Off 11/03/1997 16.75% 11.39% 5.83% 15.40% N/A 5.06% 11/04/2015 Small cap stocks: Small-cap blend Dreyfus IP Small Cap Stock Index Portfolio - Service Shares 3 Walled Off 05/01/2002 4.72% 13.54% 8.61% 3.37% 12.51% 7.35% 05/01/2002 Small cap stocks: Small-cap value Franklin VIPT Small Cap Value VIP Fund - Class 2 3 Walled Off 04/30/1998 2.99% 10.99% 7.40% 1.64% 9.89% 6.10% 11/03/2003 International stocks: Emerging markets Templeton VIPT Developing Markets VIP Fund - Class 2 2,5 Walled Off 03/04/1996 32.42% 1.79% -0.36% 31.07% N/A 2.15% 04/30/2014 VanEck VIP Trust Emerging Markets Fund - Initial Class 2,5 Walled Off 12/21/1995 42.93% 5.82% 1.57% 41.58% 4.39% -0.48% 11/03/1997 International stocks: Foreign large blend Janus Henderson VIT Overseas Portfolio: Service Shares 2 Walled Off 05/02/1994 22.92% 0.27% -2.17% 21.57% -1.22% -4.20% 01/27/2000 International stocks: Foreign large value Templeton VIPT Foreign VIP Fund - Class 2 2 Walled Off 05/01/1992 8.96% 3.10% 0.51% 7.61% 1.75% -1.24% 11/03/2003 Bonds: Emerging markets bond Morgan Stanley VIF Emerging Markets Debt Portfolio - Class I 2,5,9 Closed 06/16/1997 2.06% 0.43% 4.33% 0.71% -1.09% 3.12% 11/03/1997 Bonds: High yield bond Fidelity VIP High Income Portfolio - Service Class 4,9 Walled Off 09/19/1985-0.55% 2.82% 4.96% -1.90% 1.45% 3.75% 11/03/1997 Ivy VIP High Income 4,9 Walled Off 07/13/1987-0.94% 3.55% 6.62% -2.29% 2.22% 5.51% 12/01/2000 Bonds: Intermediate-term bond Morgan Stanley VIF Core Plus Fixed Income Portfolio - Class I 9 Walled Off 01/02/1997-1.37% 1.84% 2.64% -2.72% 0.45% 1.29% 05/01/2006 Bonds: Investment grade bond Federated Quality Bond Fund II - Primary Shares 9 Walled Off 04/22/1999-3.56% 0.50% 3.11% -4.91% -0.90% 1.88% 05/03/1999
Walled-off and closed underlying investment options The Best of America V Status A. Non-standardized Performance: 10 B. Standardized Performance: 10 Short-term bonds: Short-term bond Neuberger Berman AMT Short Duration Bond Portfolio - I Class 9 Walled Off 09/10/1984-6.64% -1.28% -0.11% -7.90% -2.67% -1.59% 05/01/2003 Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Initial Class 2,3,5,15 Closed 09/01/1989-9.02% -5.33% -3.52% -10.28% -7.00% -5.45% 11/03/1997 Asset allocation: Conservative allocation AB VPS Dynamic Asset Allocation Portfolio - Class B 2,14 Walled Off 04/01/2011 6.62% 4.45% 3.94% 5.27% 3.15% 3.00% 05/01/2012 Asset allocation: World allocation Ivy VIP Asset Strategy 2,14 Walled Off 05/01/1995 10.53% 2.67% 2.11% 9.18% 1.35% 0.65% 12/01/2000
Understanding Risks Here's a list of some of the risks associated with the variable annuity underlying investment choices. For specific risks related to each investment, see the prospectus. 1. Money market funds: Funds are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although they seek to preserve the value of the investment at $1.00 per share, it s possible to lose money by investing in the fund. The fund may impose a fee upon sale of shares or temporarily suspend the ability to sell shares if the fund's liquidity falls below required minimums because of market conditions or other factors. 2. International/emerging markets funds: Funds that invest internationally involve risks not associated with investing solely in the United States, such as currency fluctuation, political risk, differences in accounting and the limited availability of information. 3. Small-/Mid-cap funds: Funds investing in stocks of small-cap, mid-cap or emerging companies may have less liquidity than those investing in larger, established companies and may be subject to greater price volatility and risk than the overall stock market. 4. High-yield funds: Funds that invest in high-yield securities are subject to greater credit risk, liquidity risk, and price fluctuations than funds that invest in higher-quality securities. The prices of high-yield bonds tend to be more sensitive to adverse economic and business conditions than are higher-rated corporate bonds. Increased volatility may reduce the market value of highyield bonds. They are also subject to the claims-paying ability of the issuing company. 5. Nondiversified funds: Funds that invest in a concentrated sector or focus on a relatively small number of securities may be subject to greater volatility than a more diversified investment. 6. Government funds: While the funds invest primarily in the securities of the U.S. government and its agencies, the values are not guaranteed by these entities. 7. Real estate funds: Funds that focus on real estate investing are sensitive to economic and business cycles, changing demographic patterns and government actions. 8. Fund-of-funds: Designed to provide diversification and asset allocation across several types of investments and asset classes, primarily by investing in underlying funds. Therefore, in addition to the expenses of the portfolio, you are indirectly paying a proportionate share of the applicable fees and expenses of the underlying funds. 9. Bond funds: These funds have the same interest rate, inflation and credit risks associated with the underlying bonds owned by the fund. Interest rate risk is the possibility of a change in the value of a bond due to changing interest rates. Inflation risk arises from the decline in value of cash flows due to loss of purchasing power. Credit risk is the potential loss on an investment based on the bond issuer's failure to repay on the amount borrowed. 10. A short-term trading fee may apply for exchanges made within 60 days of original allocation to this fund. Please refer to the prospectus for details. 11. For six trades occurring within a calendar quarter, Nationwide will issue a warning letter. If there are more than 11 trades in two consecutive quarters or 20 trades occurring within a calendar year involving limited transfer funds, Nationwide may limit contract owner to submitting transfer requests involving limited transfer funds via U.S. mail on a Nationwide-issued form. See prospectus for more details. 12. Target /Maturity funds: For products that do include Target /Maturity funds please keep in mind that like other funds, target date funds are subject to market risk and loss. Loss of principal can occur at any time, including before, at or after the target date. There is no guarantee that target date funds will provide enough income for retirement. 13. Managed volatility funds: Funds that are designed to offer traditional long-term investments blended with a strategy that seeks to mitigate risk and manage portfolio volatility. These funds may not be successful in reducing volatility, and it is possible that the funds' volatility management strategies could result in losses greater than if the funds did not use such strategies. 14. Asset allocation funds: These funds may invest across multiple asset classes including, but not limited to, domestic and foreign stocks, bonds, and cash. The use of diversification and asset allocation as a part of an overall investment strategy does not assure a profit or protect against loss in declining market. 15. Commodities/Natural resources: Specific uncertainties associated with commodities and natural resources investing include changes in supply-and-demand relationships due to environmental, economic and political factors, which may cause increased volatility and decreased liquidity. 16. May provide less common return patterns than traditional equity or fixed income. These funds incorporate investment strategies that may increase or decrease volatility due to the fund's use of options or futures. Leveraged exposure can result in accelerated losses as well as accelerated gains, depending on how the market moves. Contract/Policy numbers: All state variations of: APO-3691; In OK: APO-3691-36