# EDGAR Filing Document

**Accession Number:** 0001755596
**File Stem:** 0001193125-26-180937
**Filing Date:** 2026-4
**Character Count:** 133422
**Document Hash:** faa2f6a62eaf349bdf380bd92138c86e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-180937.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001193125-26-180937

**CONFORMED SUBMISSION TYPE**: 497VPI

**PUBLIC DOCUMENT COUNT**: 1

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nationwide Variable Account-15
- **CENTRAL INDEX KEY:** 0001755596

**ORGANIZATION NAME:**
- **EIN:** 311000740
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 497VPI
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-227780
- **FILM NUMBER:** 26898691

**BUSINESS ADDRESS:**
- **STREET 1:** NATIONWIDE LIFE INSURANCE COMPANY
- **STREET 2:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215
- **BUSINESS PHONE:** 18008822822

**MAIL ADDRESS:**
- **STREET 1:** NATIONWIDE LIFE INSURANCE COMPANY
- **STREET 2:** ONE NATIONWIDE PLAZA
- **CITY:** COLUMBUS
- **STATE:** OH
- **ZIP:** 43215

## Series and Classes Contracts Data

### Nationwide Variable Account-15 (Series ID: S000063965)

| Class ID   | Class Name                                               | Ticker Symbol   |
|:---|:---|:---|
| C000206993 | Nationwide Advisory Retirement Income Annuity - New York |  |

**Supplement dated May 1, 2026** <br>**to the following initial summary prospectus(es):**

Nationwide Advisory Retirement Income Annuity, Nationwide Advisory Retirement Income Annuity - New York, Nationwide Innovator Corporate VUL, Nationwide Advisory VUL, Monument Advisor, Monument Advisor Select and Monument Advisor Select New York dated May 1, 2026

**This supplement updates certain information contained in your initial summary prospectus. Please read and** <br> **retain this supplement for future reference.**<br>

The following underlying mutual fund is offered as an investment option under the contract or policy.

Effective May 12, 2026, the name of the investment option is updated as indicated below:

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| | |
|:---|:---|
| **CURRENT NAME** | **UPDATED NAME** |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio | Vanguard Variable Insurance Fund - PRIMECAP Portfolio |

---

ISP-1055

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**Nationwide Advisory Retirement Income Annuity**<sup>®</sup> **New York**

**Individual Flexible Premium Deferred Variable Annuity Contracts**

Issued by

**Nationwide Life Insurance Company**

through its

**Nationwide Variable Account-15**

**Summary Prospectus for New Investors**

May 1, 2026

The contracts described in this prospectus are only available in the state of New York.

This summary prospectus summarizes key features of the contract.

Before you invest, you should also review the statutory prospectus for the contract, which contains more information about the contract's features, benefits, and risks. You can find this document and other information about the contract online at https://nationwide.onlineprospectus.net/NW/C000206993NW/index.php?ctype=product_prospectus. You can also obtain this information at no cost by calling 1-866-667-0561 or by sending an email request to NAS_Service@nationwide.com.

Variable annuities are complex investment products and involve risks, including the potential loss of principal. The contract is not a short-term investment and is not appropriate for an investor who needs ready access to cash. Withdrawals under the contract could result in taxes and tax penalties.

This prospectus utilizes Rate Sheet Supplements to disclose current rates for certain optional benefits available under the contract. The most current Rate Sheet Supplement must be used in conjunction with the prospectus.

**Under state insurance laws, Contract Owners have the right, during a limited period of time, to examine their contract and decide if they want to keep it or cancel it. This right is referred to as a "free look" right. The free look period is 10 days, unless the contract is purchased as a replacement for another annuity contract, in which case it is 60 days. For ease of administration, Nationwide will honor any free look cancellation request that is in good order and received at the Service Center or postmarked within 30 days after the contract issue date. Nationwide will also honor any free look cancellation for replacement annuity contracts that are received at the Service Center or postmarked within 60 days after the contract issue date (see *Right to Examine and Cancel* and *Contacting the Service Center* in the statutory prospectus).**

**If the Contract Owner elects to cancel the contract pursuant to the free look provision, Nationwide will return the Contract Value, less any withdrawals from the contract, and applicable federal and state income tax withholding (see *Right to Examine and Cancel* in the statutory prospectus).**

All guarantees under the contract are subject to Nationwide's creditworthiness and claims-paying ability.

You should review the statutory prospectus, or consult with your financial professional, for additional information about the specific cancellation terms that apply.

Additional information about certain investment products, including variable annuities, has been prepared by the SEC's staff and is available at Investor.gov.

This contract may be available through third-party financial intermediaries who charge an investment advisory fee for their services, and these fees are in addition to contract fees and expenses described in this prospectus. If the Contract Owner elects to pay the investment advisory fees from the Contract Value, this may reduce the death benefit and other benefits under the contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax penalty.

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**Table of Contents**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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| | |
|:---|:---|
|  | **Page** |
| **[Glossary of Special Terms](#xx_088a5122-f81f-465c-8ca5-333a45acc5f4_1)** | &nbsp;&nbsp; 3<br>|
| **[Overview of the Contract](#xx_51fb6491-d783-4186-9d3a-f37851ebfbaa_1)** | &nbsp;&nbsp; 6<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Purpose of the Contract](#xx_51fb6491-d783-4186-9d3a-f37851ebfbaa_1) | &nbsp;&nbsp; 6<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Phases of the Contract](#xx_51fb6491-d783-4186-9d3a-f37851ebfbaa_1) | &nbsp;&nbsp; 6<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Contract Features](#xx_51fb6491-d783-4186-9d3a-f37851ebfbaa_1) | &nbsp;&nbsp; 6<br>|
| **[Important Information You Should Consider About the Contract](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_1)** | &nbsp;&nbsp; 8<br>|
| **[Benefits Under the Contract](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_3)** | &nbsp;&nbsp; 10<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Standard Benefits Table](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_3) | &nbsp;&nbsp; 10<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Optional Benefits Table](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_4) | &nbsp;&nbsp; 11<br>|
| **[Buying the Contract](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_5)** | &nbsp;&nbsp; 12<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Minimum Initial and Subsequent Purchase Payments](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_5) | &nbsp;&nbsp; 12<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Dollar Limit Restrictions](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_6) | &nbsp;&nbsp; 13<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Application of Purchase Payments](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_6) | &nbsp;&nbsp; 13<br>|
| **[Making Withdrawals: Accessing the Money in Your Contract](#xx_38c682b6-d7dd-4941-a00b-9a37c7aff0ab_6)** | &nbsp;&nbsp; 13<br>|
| **[Additional Information About Fees](#xx_df75fe12-d508-441f-9643-38f94dc9ce93_1)** | &nbsp;&nbsp; 15<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Example](#xx_df75fe12-d508-441f-9643-38f94dc9ce93_1) | &nbsp;&nbsp; 15<br>|
| **[Appendix: Investment Options Available Under the Contract](#xx_493f3b34-479a-4b1d-bfa3-242b7105096a_1)** | &nbsp;&nbsp; 17<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Income Benefit Investment Options](#xx_493f3b34-479a-4b1d-bfa3-242b7105096a_16) | &nbsp;&nbsp; 32<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; [Custom Choice Asset Rebalancing Service Investment Options](#xx_493f3b34-479a-4b1d-bfa3-242b7105096a_17) | &nbsp;&nbsp; 33 |

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**Glossary of Special Terms** 

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Accumulation Unit** – An accounting unit of measure used to calculate the Contract Value allocated to the Variable <br> Account before the Annuitization Date.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annual Adviser Fee Allowance** – An amount used to determine whether a withdrawal from the contract to pay <br> investment advisory fees is a Standard Adviser Fee or an Excess Adviser Fee. Information on how to calculate the <br> Annual Adviser Fee Allowance is in the *Withdrawals to Pay Investment Advisory Fees* provision in the statutory <br> prospectus.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annual Adviser Fee Allowance Percentage** – A specified percentage used to determine the Annual Adviser Fee <br> Allowance. The Annual Adviser Fee Allowance Percentage is identified in the *Withdrawals to Pay Investment* <br> *Advisory Fees* provision.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Annuitant** – The person(s) whose length of life determines how long annuity payments are paid. The Annuitant must <br> be living on the date the contract is issued.<br>|
| **Annuitization Date** – The date on which annuity payments begin. |
| **Charitable Remainder Trust** – A trust meeting the requirements of Section 664 of the Internal Revenue Code. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Co-Annuitant** – The person designated by the Contract Owner to receive the benefit associated with the Spousal <br> Protection Feature.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Contingent Annuitant** – The individual who becomes the Annuitant if the Annuitant dies before the Annuitization <br> Date.<br>|
| **Contract Anniversary** – Each recurring one-year anniversary of the date the contract was issued. |
| **Contract Owner(s)** – The person(s) who owns all rights under the contract.  |
| **Contract Value** – The value of all Accumulation Units in a contract. |
| **Contract Year** – Each year the contract is in force beginning with the date the contract is issued. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Current Income Benefit Base** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, it is <br> equal to the Original Income Benefit Base adjusted throughout the life of the contract to account for subsequent <br> purchase payments, Excess Withdrawals, Excess Adviser Fees, reset opportunities, and if elected, the Non-Lifetime <br> Withdrawal. Starting with the first Lifetime Withdrawal, this amount is multiplied by the Lifetime Withdrawal <br> Percentage to arrive at the Lifetime Withdrawal Amount for any given calendar year.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Daily Net Assets** – A figure that is calculated at the end of each Valuation Date and represents the sum of all the <br> Contract Owners interests in the Sub-Accounts after the deduction of underlying mutual fund expenses.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Excess Adviser Fee** – Any withdrawal or combination of withdrawals from the contract to pay investment advisory <br> fees in excess of the Annual Adviser Fee Allowance for the current Contract Year.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Excess Withdrawal** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, the amount of any <br> withdrawal taken in excess of the Lifetime Withdrawal for that year, excluding a Non-Lifetime Withdrawal, Excess <br> Adviser Fees, and Standard Adviser Fees.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Individual Retirement Annuity or IRA** – An annuity contract that qualifies for favorable tax treatment under Section <br> 408(b) of the Internal Revenue Code, but does not include Roth IRAs or Simple IRAs.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Lifetime Withdrawal** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, it is a withdrawal <br> of all or a portion of the Lifetime Withdrawal Amount.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Lifetime Withdrawal Amount** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, the <br> maximum amount that can be withdrawn during a calendar year after the Withdrawal Start Date without reducing the <br> Current Income Benefit Base. It is calculated annually, on each January 1, by multiplying the Current Income Benefit <br> Base by the Lifetime Withdrawal Percentage.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Lifetime Withdrawal Percentage** – An age-based percentage used to determine the Lifetime Withdrawal Amount <br> under the Nationwide Lifetime Income Rider Plus Empire Advisory. The applicable percentage is multiplied by the <br> Current Income Benefit Base to arrive at the Lifetime Withdrawal Amount. The Rate Sheet Supplement discloses the <br> Lifetime Withdrawal Percentages that are currently available for new contracts.<br>|

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| |
|:---|
| **Nationwide** – Nationwide Life Insurance Company.  |
| &nbsp;&nbsp;&nbsp;&nbsp; **Net Asset Value** – The value of one share of an underlying mutual fund at the close of regular trading on the New <br> York Stock Exchange.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Non-Lifetime Withdrawal** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, a one-time <br> only election to take a withdrawal from the contract after the first Contract Anniversary and before the first Lifetime <br> Withdrawal that will not initiate the lifetime income benefit.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Non-Qualified Contract** – A contract which does not qualify for favorable tax treatment as a Qualified Plan, IRA, Roth <br> IRA, SEP IRA, Simple IRA, or Tax Sheltered Annuity.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Original Income Benefit Base** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, the <br> initial benefit base calculated on the date the option is elected, which is equal to the Contract Value.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Rate Sheet Supplement** – A supplement to this prospectus that contains certain information applicable to the <br> Nationwide Lifetime Income Rider Plus Empire Advisory, during the stipulated period. The Rate Sheet Supplement <br> discloses the Roll-up Interest Rate, Roll-up Crediting Period, and Lifetime Withdrawal Percentages that are available <br> for new contracts.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Roll-up Interest Rate** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, the simple <br> interest rate used to determine the roll-up in the calculation of the Current Income Benefit Base. The Rate Sheet <br> Supplement discloses the Roll-up Interest Rate that is currently available for new contracts.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Roll-up Crediting Period** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, beginning <br> with the date the contract is issued, the maximum period of time that the Roll-up Interest Rate will be applied in the <br> calculation of the Current Income Benefit Base. The Rate Sheet Supplement discloses the Roll-up Crediting Period <br> that is currently available for new contracts.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Roth IRA** – An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue <br> Code.<br>|
| **SEC** – Securities and Exchange Commission. |
| &nbsp;&nbsp;&nbsp;&nbsp; **SEP IRA** – An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal <br> Revenue Code.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Service Center** – The department of Nationwide responsible for receiving all service and transaction requests relating <br> to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the <br> Service Center is Nationwide's mail and document processing facility. For service and transaction requests <br> communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to <br> contact the Service Center is in the *Contacting the Service Center* provision in the statutory prospectus.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Standard Adviser Fee** – Any withdrawal or combination of withdrawals from the contract to pay investment advisory <br> fees that is less than or equal to the Annual Adviser Fee Allowance for the current Contract Year.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Sub-Account Daily Net Assets** – A figure that is calculated at the end of each Valuation Date and represents the <br> sum of the Contract Owners' interests in a specific Sub-Account after the deduction of underlying mutual fund <br> expenses.<br>|
| **Sub-Accounts** – Divisions of the Variable Account, each of which invests in a single underlying mutual fund. |
| &nbsp;&nbsp;&nbsp;&nbsp; **Tax Sheltered Annuity** – An annuity that qualifies for favorable tax treatment under Section 403(b) of the Internal <br> Revenue Code. Contracts issued pursuant to this prospectus cannot be issued as Tax Sheltered Annuities.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Valuation Date** – Each day the New York Stock Exchange is open for business or any other day during which there is <br> a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be <br> materially affected. Values of the Variable Account are determined as of the close of regular trading on the New <br> York Stock Exchange, which generally closes at 4:00 p.m. EST.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Valuation Period** – The period of time commencing at the close of a Valuation Date and ending at the close of <br> regular trading on the New York Stock Exchange for the next succeeding Valuation Date.<br>|

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|:---|
| &nbsp;&nbsp;&nbsp;&nbsp; **Variable Account** – Nationwide Variable Account-15, a separate account that Nationwide established to hold Contract <br> Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of <br> which invests in a separate underlying mutual fund.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp; **Withdrawal Start Date** – For purposes of the Nationwide Lifetime Income Rider Plus Empire Advisory, the date the <br> Lifetime Withdrawals begin.<br>|

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**Overview of the Contract**

**Purpose of the Contract**

The contract is intended to be a long-term investment vehicle to assist investors in saving for and living in retirement. Nationwide has designed the contract to offer features, pricing, and investment options that encourage long-term ownership. The contract can help supplement retirement income through the annuitization feature, which provides a stream of periodic income payments. During the years leading up to those income payments, the Contract Owner manages his/her assets in the contract according to their specific goals and risk preferences by directing the allocation and reallocation among a variety of investment options. Contract growth is tax-deferred, meaning that gains in the contract are not taxable until withdrawn from the contract. Finally, in the event that the Annuitant dies before beginning income payments, the contract offers a death benefit.

Prospective purchasers should consult with a financial professional to determine whether this contract is appropriate for them, taking into consideration their particular needs, including investment objectives, risk tolerance, investment time horizon, marital status, tax situation, and other personal characteristics. Generally speaking, this contract is intended to provide benefits to a single individual and his/her beneficiaries. The contract is not intended to be used by institutional investors, in connection with other Nationwide contracts that have the same Annuitant, or in connection with other Nationwide contracts that have different Annuitants but the same Contract Owner. It is not intended to be sold to a terminally ill Contract Owner or Annuitant.

If the Contract Owner elects to pay the investment advisory fees from the Contract Value, this may reduce the death benefit and other benefits under the contract, may be subject to federal and state income taxes, and may be subject to a 10% federal tax penalty (see *Charges and Adjustments, Surrender/Withdrawal Prior to Annuitization,* and *Appendix B: Contract Types and Tax Information* in the statutory prospectus).

**Phases of the Contract**

The contract exists in two separate phases: accumulation (savings) and annuitization (income). During the accumulation phase, the contract offers a variety of investment options to which the Contract Owner can allocate and reallocate his/her Contract Value. The investment options available under the contract consist of Sub-Accounts that invest in underlying mutual funds, which offer a variable rate of return. **Additional information about the underlying mutual funds is available in *Appendix: Investment Options Available Under the Contract*.**

During the annuitization phase, Nationwide makes periodic income payments to the Annuitant. At the time of annuitization, the Contract Owner elects the duration of the annuity payments – either for a fixed period of time or for the duration of the Annuitant's (and possibly the Annuitant's spouse's) life. Annuity payments are fixed, meaning each annuity payment will be the same amount. After annuitization begins, the only value associated with the contract is the stream of annuity payments; unless otherwise specified in the annuity option, amounts cannot be withdrawn from the contract over and above the annuity payments. Additionally, once annuitization has begun, there is no death benefit, which means that upon the death of the Annuitant (and the Annuitant's spouse if a joint annuity option was elected), all payments stop and the contract terminates, unless the particular annuitization option provides otherwise. Any living benefit option, if elected, will also terminate upon annuitization.

**Contract Features**

**Investment Options.** Contract Owners can allocate Contract Value to Sub-Accounts that invest in underlying mutual funds. Contract Owners can reallocate those assets at their discretion, subject to certain restrictions.

**Deposits to the Contract.** Contract Owners can apply additional purchase payments to the contract until the Annuitization Date, subject to certain restrictions.

**Withdrawals from the Contract.** Contract Owners can withdraw some or all of their Contract Value at any time prior to annuitization, subject to certain restrictions. After annuitization, withdrawals other than annuity payments are not permitted.

**Death Benefit.** During the accumulation phase, the contract contains a standard death benefit (return of Contract Value) at no additional charge.

**Optional Death Benefit.** A death benefit option is available for an additional charge, which may provide a greater death benefit than the standard death benefit. The optional death benefit is:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Return of Premium Death Benefit Option

**Spousal Protection Feature.** The death benefit option contains the Spousal Protection Feature, which allows a surviving spouse to continue the contract while receiving the economic benefit of the death benefit upon the death of the other spouse, subject to certain conditions.

**Living Benefit Options.** Living benefit options are available for an additional charge, which provide a guaranteed lifetime income stream for the Contract Owner and, if elected, the Contract Owner's spouse. Those options are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Lifetime Income Rider Empire Advisory

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Joint Option for the Nationwide Lifetime Income Rider Empire Advisory

**Annuity Payments.** On the Annuitization Date, Nationwide will make annuity payments based on the annuity payment option chosen prior to annuitization.

**Tax Deferral.** Generally, Contract Owners will not be taxed on any earnings on the assets in the contract until such earnings are distributed from the contract. How each contract's distributions are taxed depends on the type of contract issued. Note that if this contract is issued in connection with a plan that qualifies for special income tax treatment under the Code, the contract does not provide additional tax deferral benefits (see *Appendix B: Contract Types and Tax Information* in the statutory prospectus).

**Cancellation of the Contract.** Under state insurance laws, Contract Owners have the right, during a limited period of time, to examine their contract and decide if they want to keep it or cancel it. Nationwide will honor any free look cancellation request that is in good order and received at the Service Center or postmarked within 30 days after the contract issue date (see *Right to Examine and Cancel* and *Contacting the Service Center* in the statutory prospectus).

**Contract Owner Services.** The contract offers several services at no additional charge to assist Contract Owners in managing their contract, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset Rebalancing Program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Dollar Cost Averaging

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Systematic Withdrawals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Custom Choice Asset Rebalancing Service

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**Important Information You Should Consider About the Contract** 

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| | |
|:---|:---|
| **FEES, EXPENSES, AND ADJUSTMENTS**<br> (see *Additional Information About Fees* later in this summary prospectus and *Charges and Adjustments* in the statutory <br> prospectus) | **FEES, EXPENSES, AND ADJUSTMENTS**<br> (see *Additional Information About Fees* later in this summary prospectus and *Charges and Adjustments* in the statutory <br> prospectus) |
| **Are There Charges or** <br> **Adjustments for Early** <br> **Withdrawals?**<br>| **No.** |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Yes.** The table below describes the fees and expenses that you may pay *each year*, <br> depending on the investment options and optional benefits chosen. Please refer to your <br> contract specifications page for information about the specific fees you will pay each year <br> based on the options you have elected. The fees and expenses do not reflect any <br> investment advisory fees paid to financial professionals from Contract Value or other <br> assets you own; if those charges were reflected, the fees and expenses would be higher. |
| **Are There Ongoing Fees** <br> **and Expenses?** | **Annual Fee** |
| **Are There Ongoing Fees** <br> **and Expenses?** | Base Contract<br>0.20%<sup>1</sup> <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | Underlying mutual fund fees and expenses<br>0.09%<sup>2</sup> <br>3.38%<sup>2</sup> <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Optional benefits available for an additional <br> charge (for a single optional benefit, if elected)<br>0.15%<sup>3</sup> <br>1.60%<sup>3</sup> <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; <sup>1</sup> As a percentage of Daily Net Assets.<br> <sup>2</sup> As a percentage of underlying mutual fund net assets. Minimum and maximum <br> expenses include the maximum Low Cost Fund Fee (see *Low Cost Fund Fee* in the <br> statutory prospectus)<br> <sup>3</sup> As a percentage of Daily Net Assets or Current Income Benefit Base, depending on the <br> optional benefit(s) elected. |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; Because each contract is customizable, the options elected affect how much each <br> Contract Owner will pay. To help you understand the cost of owning the contract, the <br> following table shows the lowest and highest cost a Contract Owner could pay *each year*, <br> based on current charges. |
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp; **Lowest Annual Cost Estimate:**<br> **$286.24** <br>|
| **Are There Ongoing Fees** <br> **and Expenses?** | &nbsp;&nbsp;&nbsp; Assumes: <br> ● Investment of $100,000 <br> ● 5% annual appreciation<br> ● Least expensive underlying mutual fund fees <br> and expenses <br> ● No optional benefits <br> ● No additional purchase payments, transfers or <br> withdrawals<br> ● No investment advisory fees<br>|

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|:---|:---|
| **RISKS** | **RISKS** |
| **Is There a Risk of Loss** <br> **from Poor Performance?**<br>| &nbsp;&nbsp; **Yes.** Contract Owners of variable annuities can lose money by investing in the contract, <br> including loss of principal (see *Principal Risks* in the statutory prospectus). <br>|
| **Is this a Short-Term** <br> **Investment?**<br>| &nbsp;&nbsp; **No.** The contract is not a short-term investment and is not appropriate for an investor who <br> needs ready access to cash. Nationwide has designed the contract to offer features, <br> pricing, and investment options that encourage long-term ownership (see *Principal Risks* in <br> the statutory prospectus). <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Withdrawals may be subject to taxes and tax penalties. The benefits of tax deferral and <br> living benefit protections also mean that the contract is more beneficial to investors with a <br> long time horizon (see *Principal Risks* in the statutory prospectus). <br>|

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|:---|:---|
| **RISKS** | **RISKS** |
| **What Are the Risks** <br> **Associated with the** <br> **Investment Options?**<br>| &nbsp;&nbsp;&nbsp; ● Investment in this contract is subject to the risk of poor investment performance. <br> Investment experience can vary depending on the investment options selected by the <br> Contract Owner.<br> ● Each investment option has its own unique risks.<br> ● Review the prospectuses and disclosures for the investment options before making an <br> investment decision.<br> See *Principal Risks* in the statutory prospectus*.*<br>|
| **What Are the Risks** <br> **Related to the Insurance** <br> **Company?**<br>| &nbsp;&nbsp; Investment in the contract is subject to the risks associated with Nationwide, including that <br> any obligations, guarantees, or benefits are subject to the claims-paying ability of <br> Nationwide. More information about Nationwide, including its financial strength ratings, is <br> available by contacting Nationwide at the address and/or toll-free phone number indicated <br> in *Contacting the Service Center* (see *Principal Risks* in the statutory prospectus). <br>|
| **RESTRICTIONS** | **RESTRICTIONS** |
| **Are There Restrictions** <br> **on the Investment** <br> **Options?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> ● Nationwide reserves the right to add, remove, and substitute investment options <br> available under the contract (see *The Sub-Accounts and Underlying Mutual Funds* in the <br> statutory prospectus).<br> ● Transfers between Sub-Accounts are subject to policies designed to deter short-term <br> and excessively frequent transfers. Nationwide may restrict the form in which transfer <br> requests will be accepted (see *Transfer Restrictions* in the statutory prospectus).<br> ● The availability of investment options may vary depending on the broker-dealer through <br> which the contract is sold (see *Appendix G: Financial Intermediary Variations* in the <br> statutory prospectus).<br>|
| **Are There any** <br> **Restrictions on Contract** <br> **Benefits?**<br>| &nbsp;&nbsp;&nbsp; **Yes.**<br> ● Certain optional benefits limit or restrict the investment options available for investment. <br> ● Nationwide reserves the right to discontinue offering any optional benefit. Such a <br> discontinuance will only apply to new contracts and will not impact any contracts already <br> in force. <br> ● For certain optional benefits, Nationwide reserves the right to refuse or limit subsequent <br> purchase payments. <br> ● For certain optional benefits, a Contract Owner's ability to continue to receive certain <br> benefits is contingent on a Contract Owner's agreement to new terms and conditions.<br> ● For certain optional benefits, while withdrawals are not restricted, the impact of certain <br> withdrawals could have a negative impact on the amount of the benefit ultimately <br> available.<br> ● For certain optional benefits, certain withdrawals could negatively impact the amount of <br> the benefit by an amount greater than the amount withdrawn and/or could terminate the <br> optional benefit. <br> ● If the Contract Owner elects to pay the investment advisory fees from the Contract <br> Value, this may reduce the death benefit and other benefits under the contract, may be <br> subject to federal and state income taxes, and may be subject to a 10% federal tax <br> penalty.<br> ● The availability of contract benefits may vary depending on the broker-dealer through <br> which the contract is sold (see *Appendix G: Financial Intermediary Variations* in the <br> statutory prospectus).<br> See *Benefits Under the Contract* and *Appendix B: Contract Types and Tax Information* in <br> the statutory prospectus.<br>|
| **TAXES** | **TAXES** |
| **What Are the Contract's** <br> **Tax Implications?**<br>| &nbsp;&nbsp;&nbsp; ● Consult with a tax professional to determine the tax implications of an investment in and <br> payments received under this contract.<br> ● If the contract is purchased through a tax-qualified plan or IRA, there is no additional tax <br> deferral.<br> ● Earnings in the contract are taxed at ordinary income tax rates at the time of <br> withdrawals and there may be a tax penalty if withdrawals are taken before the Contract <br> Owner reaches age 59½. <br> See *Appendix B: Contract Types and Tax Information* in the statutory prospectus*.*<br>|

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| | |
|:---|:---|
| **CONFLICTS OF INTEREST** | **CONFLICTS OF INTEREST** |
| **How Are Investment** <br> **Professionals** <br> **Compensated?**<br>| &nbsp;&nbsp; Some financial professionals receive compensation for selling the contract. Compensation <br> can take the form of indirect compensation in that Nationwide may share the revenue it <br> earns on this contract with the financial professional's firm. This conflict of interest may <br> influence a financial professional, as these financial professionals may have a financial <br> incentive to offer or recommend this contract over another investment (see *Distribution,* <br> *Promotional, and Sales Expenses* in the statutory prospectus)*.*<br>|
| **Should I Exchange My** <br> **Contract?**<br>| &nbsp;&nbsp; Some financial professionals may have a financial incentive to offer an investor a new <br> contract in place of the one he/she already owns. An investor should only exchange his/her <br> contract if he/she determines, after comparing the features, fees, and risks of both <br> contracts, and any fees or penalties to terminate the existing contract, that it is preferable <br> for him/her to purchase the new contract, rather than to continue to own the existing one <br> (see *Replacements* and *Distribution, Promotional, and Sales Expenses* in the statutory <br> prospectus).<br>|

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**Benefits Under the Contract**

**The following tables summarize information about the benefits under the contract.** The Standard Benefits table indicates the benefits that are available under the contract and for which there is no additional charge. The Optional Benefits table indicates the benefits that are available under the contract that are optional – they must be affirmatively elected by the applicant and may have an additional charge. The availability of contract benefits may vary depending on the broker-dealer through which the contract is sold (see *Appendix G: Financial Intermediary Variations* in the statutory prospectus).

**Standard Benefits Table** 

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| | | | |
|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Maximum** <br> **Fee**<br>| **Brief Description of Restrictions/Limitations** |
| Standard Death Benefit | Death benefit upon <br> death of Annuitant prior <br> to Annuitization<br>|  | &nbsp;&nbsp;&nbsp; ● Nationwide may limit purchase payments to <br> $1,000,000<br>|
| Asset Rebalancing <br> Program (see *Contract* <br> *Owner Services* in the <br> statutory prospectus)<br>| Automatic reallocation <br> of assets on a <br> predetermined <br> percentage basis<br>|  |  |
| Dollar Cost Averaging <br> (see *Contract Owner* <br> *Services* in the statutory <br> prospectus)<br>| Long-term transfer <br> program involving <br> automatic transfer of <br> assets<br>|  | &nbsp;&nbsp;&nbsp; ● Transfers are only permitted from a limited number <br> of Sub-Accounts<br>|
| Systematic Withdrawals <br> (see *Contract Owner* <br> *Services* in the statutory <br> prospectus)<br>| Automatic withdrawals <br> of Contract Value on a <br> periodic basis<br>|  | ● Withdrawals must be at least $100 each |
| Custom Choice Asset <br> Rebalancing Service <br> (see *Contract Owner* <br> *Services* in the statutory <br> prospectus)<br>| Customizable asset <br> allocation tool with <br> automatic reallocation <br> on a periodic basis<br>|  | &nbsp;&nbsp;&nbsp; ● Only available for contracts that elect the <br> Nationwide Lifetime Income Rider Empire Advisory<br> ● During the program, cannot participate in other <br> asset allocation or asset rebalancing programs<br> ● Allocation limitations exist based on asset class<br>|

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**Optional Benefits Table** 

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Maximum** <br> **Fee**<br>| **Current Fee** | **Brief Description of Restrictions/**<br> **Limitations**<br>|
| Return of Premium <br> Death Benefit Option <br> with Spousal Protection<br>| Enhanced death benefit | 0.15% (death <br> benefit value)<br>| 0.15% (death <br> benefit value)<br>| &nbsp;&nbsp;&nbsp; ● Annuitant must be 85 or younger at <br> application<br> ● Must be elected at application<br> ● Election is irrevocable<br> ● Nationwide may limit purchase <br> payments to $1,000,000<br> ● Death benefit calculation is adjusted <br> if purchase payments exceed <br> $3,000,000<br> ● Excess Adviser Fees will negatively <br> impact the benefit<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> Spousal Protection Feature:<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br> ● Not applicable to Charitable <br> Remainder Trusts<br> ● One or both spouses (or a revocable <br> trust of which either or both of the <br> spouses is/are grantor(s)) must be <br> named as the Contract Owner<br> ● For contracts issued as an IRA or <br> Roth IRA, only the person for whom <br> the IRA or Roth IRA was established <br> may be named as the Contract <br> Owner<br> ● Only available to Contract Owner's <br> spouse<br> ● Spouses must be Co-Annuitants<br> ● Both spouses must be 85 or younger <br> at contract issuance<br> ● Spouses must be named as <br> beneficiaries<br> ● No other person may be named as <br> Contract Owner, Annuitant, or <br> primary beneficiary<br>|

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| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Benefit** | **Purpose** | **Maximum** <br> **Fee**<br>| **Current Fee** | **Brief Description of Restrictions/**<br> **Limitations**<br>|
| Nationwide Lifetime <br> Income Rider Empire <br> Advisory<br>| Guaranteed lifetime <br> income stream<br>| 1.60% <br> (Current <br> Income <br> Benefit <br> Base)<br>| 1.45% <br> (Current <br> Income <br> Benefit <br> Base)<br>| &nbsp;&nbsp;&nbsp; ● Available for contracts with <br> applications signed on or after <br> November 13, 2023<br> ● May not be elected if another living <br> benefit is elected<br> ● Must be elected at application<br> ● Election is irrevocable<br> ● Not available for beneficially owned <br> contracts<br> ● Investment limitations<br> ● Current charge could change<br> ● Dollar Cost Averaging programs are <br> not available<br> ● Nationwide may limit subsequent <br> purchase payments<br> ● Determining life must be between 50 <br> and 85 at application<br> ● Determining life cannot be changed<br> ● Restrictions exist on the parties <br> named to the contract<br> ● Excess Adviser Fees will negatively <br> impact the benefit<br>|
| Joint Option for the <br> Nationwide Lifetime <br> Income Rider Empire <br> Advisory<br>| Extension of <br> guaranteed lifetime <br> income stream for <br> spouse<br>| 0.30% <br> (Current <br> Income <br> Benefit <br> Base)<br>| 0.15% <br> (Current <br> Income <br> Benefit <br> Base)<br>| &nbsp;&nbsp;&nbsp; ● Available for contracts with <br> applications signed on or after <br> November 13, 2023<br> ● Only available if the Nationwide <br> Lifetime Income Rider Empire <br> Advisory is elected<br> ● Must be elected at application<br> ● Limitations on revocability<br> ● Not available for beneficially owned <br> contracts<br> ● Not available for Charitable <br> Remainder Trusts<br> ● Only available to Contract Owner's <br> spouse<br> ● Both spouses must be between 50 <br> and 85 at application<br> ● Restrictions exist on the parties <br> named to the contract<br>|

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**Buying the Contract**

**Minimum Initial and Subsequent Purchase Payments**

All purchase payments must be paid in the currency of the United States of America. The minimum initial purchase payment is $25,000. The minimum subsequent purchase payment is $1,000. However, for subsequent purchase payments sent via electronic deposit, the minimum subsequent purchase payment is $150.

Some optional benefits may restrict the Contract Owner's ability to make subsequent purchase payments.

**Nationwide reserves the right to refuse any purchase payment that would result in the cumulative total for all contracts issued by Nationwide or its affiliates or subsidiaries on the life of any one Annuitant or owned by any one Contract Owner to exceed $1,000,000.** Its decision as to whether or not to accept a purchase payment in excess of that amount will be based on one or more factors, including, but not limited to: age, spouse age (if applicable), Annuitant age, state of issue, total purchase payments, optional benefits elected, current market conditions, and current hedging costs. All such decisions will be based on internally established actuarial guidelines and will be applied in a non-discriminatory manner. In the event that Nationwide does not accept a purchase payment under these guidelines, the

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purchase payment will be immediately returned in its entirety in the same manner as it was received. If Nationwide accepts the purchase payment, it will be applied to the contract immediately and will receive the next calculated Accumulation Unit value. Any references in this prospectus to purchase payment amounts in excess of $1,000,000 are assumed to have been approved by Nationwide.

Nationwide prohibits subsequent purchase payments made after death of the Contract Owner(s), the Annuitant, or Co-Annuitant. If upon notification of death of the Contract Owner(s), the Annuitant, or Co-Annuitant, it is determined that death occurred prior to a subsequent purchase payment being made, Nationwide reserves the right to return the purchase payment.

**Dollar Limit Restrictions**

Certain features of the contract have additional purchase payment and/or Contract Value limitations associated with them:

*Annuitization.* Annuity payment options will be limited if the Contract Owner submits total purchase payments in excess of $2,000,000. Furthermore, if the amount to be annuitized is greater than $5,000,000, Nationwide may limit both the amount that can be annuitized on a single life and the annuity payment options (see *Annuity Payment Options* in the statutory prospectus).

*Death Benefit Calculations.* Purchase payments up to $3,000,000 may result in a higher death benefit payment than purchase payments in excess of $3,000,000 (see *Death Benefit Calculations* in the statutory prospectus).

*Subsequent Purchase Payments.* If the Contract Owner elects the Nationwide Lifetime Income Rider Plus Empire Advisory, Nationwide reserves the right to refuse any subsequent purchase payments. Contract Owners should consider this reservation of right when making the initial purchase payment.

**Application of Purchase Payments**

***Initial Purchase Payments***

Initial purchase payments will be priced at the Accumulation Unit value next determined no later than two business days after receipt of an order to purchase if the application and all necessary information are complete and are received at the Service Center before the close of regular trading on the New York Stock Exchange, which generally occurs at 4:00 p.m. EST. If the order is received after the close of regular trading on the New York Stock Exchange, the initial purchase payment will be priced within two business days after the next Valuation Date.

If an incomplete application is not completed within five business days after receipt at the Service Center, the prospective purchaser will be informed of the reason for the delay. The purchase payment will be returned unless the prospective purchaser specifically consents to allow Nationwide to hold the purchase payment until the application is completed.

***Subsequent Purchase Payments***

Any subsequent purchase payment received at the Service Center (along with all necessary information) before the close of regular trading on the New York Stock Exchange on any Valuation Date will be priced at the Accumulation Unit value next determined after receipt of the purchase payment. If a subsequent purchase payment is received at the Service Center (along with all necessary information) after the close of regular trading on the New York Stock Exchange, it will be priced at the Accumulation Unit value determined on the following Valuation Date.

**Making Withdrawals: Accessing the Money in Your Contract**

**Surrender/Withdrawal Prior to Annuitization**

Prior to annuitization and before the Annuitant's death, Contract Owners may generally withdraw some or all of their Contract Value. Withdrawals from the contract may be subject to federal income tax and/or a tax penalty (see *Appendix B: Contract Types and Tax Information* in the statutory prospectus). Withdrawal requests may be submitted in writing or by telephone to the Service Center and Nationwide may require additional information. Requests submitted by telephone may be subject to dollar amount limitations and may be subject to payment and other restrictions to prevent fraud. Nationwide reserves the right to require written requests to be submitted on current Nationwide forms for withdrawals. Nationwide reserves the right to remove the ability to submit requests by telephone upon written or electronic notice. Contact the Service Center for current limitations and restrictions. When taking a full surrender, Nationwide may require that the contract accompany the request. Nationwide may require a signature guarantee.

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Surrender and withdrawal requests will receive the Accumulation Unit value next determined at the end of the current Valuation Period if the request and all necessary information is received at the Service Center before the close of regular trading on the New York Stock Exchange (generally, 4:00 pm EST). If the request and all necessary information is received after the close of regular trading on the New York Stock Exchange, the request will receive the Accumulation Unit value determined at the end of the next Valuation Day.

Nationwide will pay any amounts withdrawn from the Sub-Accounts within seven days after the request is received in good order at the Service Center (see *Determining the Contract Value* in the statutory prospectus). However, Nationwide may suspend or postpone payment when it is unable to price a purchase payment or transfer, or as permitted or required by federal securities laws and rules and regulations of the SEC.

**Surrender/Withdrawal After Annuitization**

After the Annuitization Date, withdrawals other than regularly scheduled annuity payments are not permitted.

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**Additional Information About Fees**

**The following tables describe the fees, expenses, and adjustments that a Contract Owner will pay when buying, owning, and surrendering or making withdrawals from an investment option or from the contract. Please refer to the contract specifications page for information about the specific fees the Contract Owner will pay each year based on the options elected. The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets owned by the Contract Owner; of those charges were reflected, the fees and expenses would be higher.**

**The first table describes the fees and expenses a Contract Owner will pay at the time the Contract Owner buys the contract, surrenders or makes withdrawals from an investment option or from the contract, or transfers Contract Value between investment options. State premium taxes may also be deducted.** 

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| | |
|:---|:---|
| **Annual Contract Expenses** | **Annual Contract Expenses** |
| **Base Contract Expenses**<sup>1</sup> (assessed as an annualized percentage of Daily Net Assets) | 0.20% |
| **Optional Benefit Expenses**<sup>2</sup> <br>|  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Return of Premium Death Benefit Option Charge** (assessed annually as a percentage of the benefit base (the <br> death benefit value))<br>| 0.15% |
| **Living Benefit Options**<sup>3</sup> (assessed annually as a percentage of a benefit base) |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Nationwide Lifetime Income Rider Plus Empire Advisory Charge** (the benefit base is the Current <br> Income Benefit Base<sup>4</sup>) (available for contracts with applications signed on or after November 13, 2023)<br>| 1.60%<sup>5</sup> <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Maximum Joint Option for Nationwide Lifetime Income Rider Plus Empire Advisory Charge** (the benefit base <br> is the Current Income Benefit Base<sup>4</sup>) (this is in addition to the charge for the Nationwide Lifetime Income Rider <br> Plus Empire Advisory option) (available for contracts with applications signed on or after November 13, 2023)<br>| 0.30%<sup>6</sup> <br>|

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

<sup>1</sup>

Throughout the statutory prospectus, the Base Contract Expenses will be referred to as Mortality and Expense Risk Charge and Administrative Charge, as appropriate.

<sup>2</sup>

Unless otherwise indicated, charges for optional benefits are only assessed prior to the Annuitization Date (see Charges and Deductions in the statutory prospectus).

<sup>3</sup>

Only one living benefit option (and its corresponding joint option) may be elected.

<sup>4</sup>

For information about how the Current Income Benefit Base is calculated, see the corresponding rider disclosures in Benefits Under the Contract in the statutory prospectus.

<sup>5</sup>

Currently, the charge associated with the Nationwide Lifetime Income Rider Plus Empire Advisory is equal to 1.45% of the Current Income Benefit Base.

<sup>6</sup>

Currently, the charge associated with the Joint Option for the Nationwide Lifetime Income Rider Plus Empire Advisory is equal to 0.15% of the Current Income Benefit Base. The total charge for the Nationwide Lifetime Income Rider Plus Empire Advisory with Joint Option is 1.60%.

**The next item shows the minimum and maximum total operating expenses charged by the underlying mutual funds that the Contract Owner may pay periodically during the life of the contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of the underlying mutual funds available under the contract, including their annual expenses, may be found in *Appendix: Investment Options Available Under the Contract*.** 

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| | | |
|:---|:---|:---|
| **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** | **Annual Underlying Mutual Fund Expenses** |
|  | **Minimum** | **Maximum** |
| (Expenses that are deducted from underlying mutual fund assets, including <br> management fees, distribution and/or service (12b-1) fees, and other expenses, as a <br> percentage of average underlying mutual fund net assets.)<br>| 0.09% | 3.38% |

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**Example**

**This Example is intended to help Contract Owners compare the cost of investing in the Sub-Accounts with the cost of investing in other annuity contracts that offer variable investment options. These costs include transaction expenses, annual contract expenses, and annual underlying mutual fund expenses.** The fees and expenses do not reflect any investment advisory fees paid to financial professionals from Contract Value or other assets owned by the Contract Owner; if those charges were reflected, the fees and expenses would be higher.

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The Example assumes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a $100,000 investment in the contract for the time periods indicated;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• a 5% return each year;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• the maximum and the minimum annual underlying mutual fund expenses;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Variable Account charges that reflect the most expensive combination of optional benefits available for an additional charge (2.25%).<sup>1</sup> Specifically:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Return of Premium Death Benefit Option,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Lifetime Income Rider Plus Empire Advisory, and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Joint Option for Nationwide Lifetime Income Rider Plus Empire Advisory.

Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **If the contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the contract is surrendered**<br> **at the end of the applicable**<br> **time period** | **If the contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the contract is annuitized**<br> **at the end of the applicable**<br> **time period** | **If the contract is not**<br> **surrendered** | **If the contract is not**<br> **surrendered** | **If the contract is not**<br> **surrendered** | **If the contract is not**<br> **surrendered** |
|  | **1 Yr.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** | **1 Yr.** | **3 Yrs.** | **5 Yrs.** | **10 Yrs.** |
| &nbsp;&nbsp;&nbsp; Maximum <br> Annual <br> Underlying <br> Mutual Fund <br> Expenses <br> (3.38%)<br>| &nbsp;&nbsp; $3917<br>| &nbsp;&nbsp; $11877<br>| &nbsp;&nbsp; $20011<br>| &nbsp;&nbsp; $41131<br>&nbsp;&nbsp; \*<br>| &nbsp;&nbsp; $11877<br>| &nbsp;&nbsp; $20011<br>| &nbsp;&nbsp; $41131<br>| &nbsp;&nbsp; $3917<br>| &nbsp;&nbsp; $11877<br>| &nbsp;&nbsp; $20011<br>| &nbsp;&nbsp; $41131<br>|
| &nbsp;&nbsp;&nbsp; Minimum Annual <br> Underlying <br> Mutual Fund <br> Expenses <br> (0.09%)<br>| &nbsp;&nbsp; $462<br>| &nbsp;&nbsp; $1450<br>| &nbsp;&nbsp; $2529<br>| &nbsp;&nbsp; $5687<br>&nbsp;&nbsp; \*<br>| &nbsp;&nbsp; $1450<br>| &nbsp;&nbsp; $2529<br>| &nbsp;&nbsp; $5687<br>| &nbsp;&nbsp; $462<br>| &nbsp;&nbsp; $1450<br>| &nbsp;&nbsp; $2529<br>| &nbsp;&nbsp; $5687 |

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\*

The contracts sold under this prospectus do not permit annuitization during the first two Contract Years.

<sup>1</sup>

The total Variable Account charges associated with the most expensive allowable combination of optional benefits may be higher or lower depending on whether the benefit base is higher or lower than the Daily Net Assets. For purposes of this table, Nationwide assumes the benefit base is equal to the Daily Net Assets.

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**Appendix: Investment Options Available Under the Contract**

The following is a list of underlying mutual funds available under the contract. More information about the underlying mutual funds is available in the prospectuses for the underlying mutual funds, which may be amended from time to time and can be found online at https://nationwide.onlineprospectus.net/NW/C000206993NW/index.php. This information can also be obtained at no cost by calling 1-866-667-0561 or by sending an email request to NAS_Service@nationwide.com. Depending on the optional benefits chosen, access to certain underlying mutual funds may be limited. The availability of investment options may vary depending on the broker-dealer through which the contract is sold (see *Appendix G: Financial Intermediary Variations* in the statutory prospectus).

The current expenses and performance information below reflects fees and expenses of the underlying mutual funds, but do not reflect the other fees and expenses that the contract may charge, such as any Low Cost Fund Fee. Expenses would be higher and performance would be lower if these other charges were included. Each underlying mutual fund's past performance is not necessarily an indication of future performance.

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Alger Capital Appreciation Portfolio:** <br> **Class I-2 Shares**<br> Investment Advisor: Fred Alger <br> Management, LLC<br>| 0.94% | 0.00% | **0.94%** | 32.87% | 16.33% | 18.17% |
| Equity | **AllianceBernstein Variable Products** <br> **Series Fund, Inc. - AB VPS Discovery** <br> **Value Portfolio: Class A**<br> Investment Advisor: AllianceBernstein L.P.<br>| 0.82% | 0.00% | **0.82%** | 2.89% | 8.75% | 8.55% |
| Equity | **AllianceBernstein Variable Products** <br> **Series Fund, Inc. - AB VPS Large Cap** <br> **Growth Portfolio: Class B**<br> Investment Advisor: AllianceBernstein L.P.<br>| 0.90% | 0.00% | **0.90%** | 12.85% | 11.76% | 15.88% |
| Equity | **AllianceBernstein Variable Products** <br> **Series Fund, Inc. - AB VPS Relative Value** <br> **Portfolio: Class A**<br> Investment Advisor: AllianceBernstein L.P.<br>| 0.59%\* | 0.00% | **0.59%** | 10.47% | 11.42% | 10.57% |
| Allocation | **American Funds Insurance Series® -** <br> **American Funds® Global Balanced Fund:** <br> **Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 1.01%\* | 0.00% | **1.01%** | 16.96% | 5.85% | 7.43% |
| Fixed Income | **American Funds Insurance Series® -** <br> **American High-Income Trust: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.83%\* | 0.00% | **0.83%** | 7.94% | 5.33% | 6.68% |
| Allocation | **American Funds Insurance Series® -** <br> **Asset Allocation Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.79% | 0.00% | **0.79%** | 15.59% | 8.70% | 9.50% |
| Allocation | **American Funds Insurance Series® -** <br> **Capital Income Builder®: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.78%\* | 0.00% | **0.78%** | 20.16% | 8.82% | 7.32% |
| Equity | **American Funds Insurance Series® -** <br> **Global Growth Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.91%\* | 0.00% | **0.91%** | 21.34% | 7.97% | 11.89% |
| Equity | **American Funds Insurance Series® -** <br> **Global Small Capitalization Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 1.15%\* | 0.00% | **1.15%** | 14.33% | 0.23% | 6.96% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **American Funds Insurance Series® -** <br> **Growth Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.84% | 0.00% | **0.84%** | 19.93% | 13.09% | 17.67% |
| Equity | **American Funds Insurance Series® -** <br> **Growth-Income Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.78% | 0.00% | **0.78%** | 17.77% | 13.62% | 13.63% |
| Equity | **American Funds Insurance Series® -** <br> **New World Fund®: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 1.07%\* | 0.00% | **1.07%** | 27.93% | 5.06% | 8.98% |
| Fixed Income | **American Funds Insurance Series® - The** <br> **Bond Fund of America: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.73%\* | 0.00% | **0.73%** | 6.98% | -0.38% | 2.11% |
| Fixed Income | **American Funds Insurance Series® - U.S.** <br> **Government Securities Fund: Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.75%\* | 0.00% | **0.75%** | 7.54% | -0.49% | 1.45% |
| Equity | **American Funds Insurance Series® -** <br> **Washington Mutual Investors Fund:** <br> **Class 4**<br> Investment Advisor: Capital Research and <br> Management Company<br>| 0.75%\* | 0.00% | **0.75%** | 16.90% | 13.60% | 12.08% |
| Fixed Income | **BlackRock Variable Series Funds II, Inc. -** <br> **BlackRock High Yield V.I. Fund: Class III**<br> Investment Advisor: BlackRock Advisors, <br> LLC<br> Sub-Advisor: BlackRock International <br> Limited<br>| 0.78%\* | 0.00% | **0.78%** | 8.52% | 4.47% | 6.02% |
| Fixed Income | **BlackRock Variable Series Funds II, Inc. -** <br> **BlackRock Total Return V.I. Fund: Class** <br> **III**<br> Investment Advisor: BlackRock Advisors, <br> LLC<br> Sub-Advisor: BlackRock International <br> Limited and BlackRock (Singapore) Limited<br>| 0.74%\* | 0.00% | **0.74%** | 7.14% | -0.75% | 1.82% |
| Allocation | **BlackRock Variable Series Funds, Inc. -** <br> **BlackRock 60/40 Target Allocation ETF** <br> **V.I. Fund: Class III**<br> Investment Advisor: BlackRock Advisors, <br> LLC<br>| 0.58%\* | 0.00% | **0.58%** | 15.37% | 7.05% | 8.45% |
| Allocation | **Calvert Variable Series, Inc. - Calvert VP** <br> **SRI Balanced Portfolio: Class F**<br> Investment Advisor: Calvert Research and <br> Management<br>| 0.90% | 0.00% | **0.90%** | 11.68% | 8.44% | 9.51% |
| Equity | **Columbia Funds Variable Insurance** <br> **Trust - Columbia Variable Portfolio -** <br> **Small Cap Value Discovery Fund: Class 2** <br> **(formerly, Columbia Funds Variable** <br> **Series Trust - Columbia Variable** <br> **Portfolio - Small Cap Value Discovery** <br> **Fund: Class 2)**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 1.13%\* | 0.00% | **1.13%** | 14.66% | 12.19% | 11.20% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Columbia Funds Variable Insurance** <br> **Trust - Columbia Variable Portfolio -** <br> **Small Company Growth Fund: Class 2** <br> **(formerly, Columbia Funds Variable** <br> **Series Trust - Columbia Variable** <br> **Portfolio - Small Company Growth Fund:** <br> **Class 2)**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 1.12%\* | 0.00% | **1.12%** | 21.29% | 3.32% | 14.89% |
| Real Assets | **Columbia Funds Variable Series Trust II -** <br> **Columbia Variable Portfolio - Commodity** <br> **Strategy Fund: Class 2**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 1.00%\* | 0.00% | **1.00%** | 15.30% | 12.44% | 6.46% |
| Fixed Income | **Columbia Funds Variable Series Trust II -** <br> **Columbia Variable Portfolio - High Yield** <br> **Bond Fund: Class 2**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 0.89%\* | 0.00% | **0.89%** | 8.49% | 3.93% | 5.51% |
| Equity | **Columbia Funds Variable Series Trust II -** <br> **Columbia Variable Portfolio - Select Mid** <br> **Cap Growth Fund: Class 2**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 1.07%\* | 0.00% | **1.07%** | 14.86% | 7.26% | 11.89% |
| Equity | **Columbia Funds Variable Series Trust II -** <br> **Columbia Variable Portfolio - Seligman** <br> **Global Technology: Class 2 (formerly,** <br> **Columbia Funds Variable Insurance** <br> **Trust II - Columbia Variable Portfolio -** <br> **Seligman Global Technology: Class 2)**<br> Investment Advisor: Columbia Management <br> Investment Advisors, LLC<br>| 1.18%\* | 0.00% | **1.18%** | 34.37% | 18.42% | 22.70% |
| Equity | **Delaware VIP Trust - Nomura VIP Small** <br> **Cap Value Series: Service Class**<br> Investment Advisor: Delaware Management <br> Company, a series of Nomura Investment <br> Management Business Trust (a Delaware <br> statutory trust)<br>| 1.04% | 0.00% | **1.04%** | 7.83% | 8.93% | 8.84% |
| Alternative Strategies | **Deutsche DWS Variable Series II - DWS** <br> **Alternative Asset Allocation VIP: Class B**<br> Investment Advisor: DWS Investment <br> Management Americas, Inc.<br> Sub-Advisor: RREEF America L.L.C.<br>| 1.26% | 0.00% | **1.26%** | 10.03% | 4.88% | 4.52% |
| Equity | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA Equity Allocation** <br> **Portfolio: Institutional Class**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors <br> Ltd. And DFA Australia Limited<br>| 0.31%\* | 0.35% | **0.66%** | 19.94% | 12.23% |  |
| Fixed Income | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA Global Bond Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors <br> Ltd. And DFA Australia Limited<br>| 0.21% | 0.35% | **0.56%** | 4.35% | 1.38% | 1.81% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA Global Moderate** <br> **Allocation Portfolio: Institutional Class**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br>| 0.28%\* | 0.35% | **0.63%** | 14.68% | 8.42% | 8.65% |
| Equity | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA International Small** <br> **Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors <br> Ltd. And DFA Australia Limited<br>| 0.39% | 0.35% | **0.74%** | 36.99% | 8.89% | 8.68% |
| Equity | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA International Value** <br> **Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors <br> Ltd. And DFA Australia Limited<br>| 0.27% | 0.35% | **0.62%** | 45.64% | 15.85% | 10.46% |
| Fixed Income | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA Short-Term Fixed** <br> **Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br> Sub-Advisor: Dimensional Fund Advisors <br> Ltd. And DFA Australia Limited<br>| 0.12% | 0.35% | **0.47%** | 4.33% | 2.65% | 1.97% |
| Equity | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA U.S. Large Value** <br> **Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br>| 0.21% | 0.35% | **0.56%** | 15.83% | 11.97% | 10.51% |
| Equity | **DFA Investment Dimensions Group Inc. -** <br> **Dimensional VA U.S. Targeted Value** <br> **Portfolio**<br> Investment Advisor: Dimensional Fund <br> Advisors LP<br>| 0.29% | 0.35% | **0.64%** | 8.95% | 13.60% | 11.00% |
| Allocation | **Fidelity Variable Insurance Products** <br> **Fund - VIP Balanced Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.66% | 0.00% | **0.66%** | 14.96% | 9.24% | 10.84% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Contrafund® Portfolio:** <br> **Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.79% | 0.00% | **0.79%** | 21.19% | 15.08% | 15.49% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Energy Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.85% | 0.00% | **0.85%** | 10.34% | 23.86% | 7.69% |
| Fixed Income | **Fidelity Variable Insurance Products** <br> **Fund - VIP Floating Rate High Income** <br> **Portfolio: Initial Class**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.73% | 0.00% | **0.73%** | 5.33% | 6.06% | 5.44% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Growth & Income Portfolio:** <br> **Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.72% | 0.00% | **0.72%** | 21.21% | 15.83% | 13.56% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Growth Opportunities** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.81% | 0.00% | **0.81%** | 21.65% | 11.03% | 19.64% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Growth Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.80% | 0.00% | **0.80%** | 14.61% | 13.41% | 17.15% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP International Capital** <br> **Appreciation Portfolio: Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FIL Investment Advisors, FIL <br> Investment Advisors (UK) Limited, FMR <br> Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong <br> Kong) Limited, Fidelity Management & <br> Research (Japan) Limited<br>| 1.02% | 0.00% | **1.02%** | 18.36% | 5.99% | 9.53% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Fidelity Variable Insurance Products** <br> **Fund - VIP Investment Grade Bond** <br> **Portfolio: Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.62% | 0.00% | **0.62%** | 6.93% | -0.21% | 2.45% |
| Fixed Income | **Fidelity Variable Insurance Products** <br> **Fund - VIP Strategic Income Portfolio:** <br> **Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FIL Investment Advisors, FIL <br> Investment Advisors (UK) Limited, FMR <br> Investment Management (UK) Limited, <br> Fidelity Management & Research (Hong <br> Kong) Limited, Fidelity Management & <br> Research (Japan) Limited<br>| 0.88% | 0.00% | **0.88%** | 8.58% | 2.79% | 4.40% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Utilities Portfolio: Service** <br> **Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br>| 0.85% | 0.00% | **0.85%** | 13.83% | 12.24% | 12.23% |
| Equity | **Fidelity Variable Insurance Products** <br> **Fund - VIP Value Strategies Portfolio:** <br> **Service Class 2**<br> Investment Advisor: Fidelity Management & <br> Research Company LLC<br> Sub-Advisor: FMR Investment Management <br> (UK) Limited, Fidelity Management & <br> Research (Hong Kong) Limited, Fidelity <br> Management & Research (Japan) Limited<br>| 0.84% | 0.00% | **0.84%** | 7.70% | 11.87% | 10.54% |
| Equity | **First Eagle Variable Funds - Overseas** <br> **Variable Fund**<br> Investment Advisor: First Eagle Investment <br> Management, LLC<br>| 1.21%\* | 0.00% | **1.21%** | 37.47% | 9.02% | 7.61% |
| Equity | **Goldman Sachs Variable Insurance Trust** <br> **- Goldman Sachs Mid Cap Growth Fund:** <br> **Service Shares**<br> Investment Advisor: Goldman Sachs Asset <br> Management, L.P.<br>| 0.98%\* | 0.00% | **0.98%** | 7.36% | 4.68% | 11.59% |
| Equity | **Goldman Sachs Variable Insurance Trust** <br> **- Goldman Sachs Small Cap Equity** <br> **Insights Fund: Service Shares**<br> Investment Advisor: Goldman Sachs Asset <br> Management, L.P.<br>| 1.07%\* | 0.00% | **1.07%** | 15.82% | 10.19% | 10.58% |
| Fixed Income | **Guggenheim Variable Funds Trust -** <br> **Series E (Total Return Bond Series)**<br> Investment Advisor: Guggenheim <br> Investments<br>| 0.91%\* | 0.00% | **0.91%** | 7.48% | -0.21% | 3.13% |
| Fixed Income | **Guggenheim Variable Funds Trust -** <br> **Series F (Floating Rate Strategies Series)**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.15%\* | 0.00% | **1.15%** | 3.57% | 4.56% | 4.13% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Invesco - Invesco V.I. Discovery Mid Cap** <br> **Growth Fund: Series II**<br> Investment Advisor: Invesco Advisers, Inc.<br>| 1.11% | 0.00% | **1.11%** | 4.53% | 3.64% | 11.10% |
| Allocation | **Janus Aspen Series - Janus Henderson** <br> **Balanced Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.87% | 0.00% | **0.87%** | 14.82% | 8.21% | 9.86% |
| Equity | **Janus Aspen Series - Janus Henderson** <br> **Enterprise Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.97% | 0.00% | **0.97%** | 7.41% | 7.35% | 12.51% |
| Fixed Income | **Janus Aspen Series - Janus Henderson** <br> **Flexible Bond Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.82%\* | 0.00% | **0.82%** | 7.22% | -0.47% | 2.07% |
| Equity | **Janus Aspen Series - Janus Henderson** <br> **Global Research Portfolio: Service** <br> **Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 1.07% | 0.00% | **1.07%** | 20.60% | 12.23% | 12.64% |
| Equity | **Janus Aspen Series - Janus Henderson** <br> **Global Sustainable Equity Portfolio:** <br> **Institutional Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.74%\* | 0.00% | **0.74%** | 17.46% |  |  |
| Equity | **Janus Aspen Series - Janus Henderson** <br> **Global Technology and Innovation** <br> **Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.97% | 0.00% | **0.97%** | 24.84% | 13.44% | 21.18% |
| Equity | **Janus Aspen Series - Janus Henderson** <br> **Overseas Portfolio: Service Shares**<br> Investment Advisor: Janus Henderson <br> Investors US LLC<br>| 0.96% | 0.00% | **0.96%** | 28.58% | 9.17% | 8.97% |
| Equity | **John Hancock Variable Insurance Trust -** <br> **Disciplined Value Emerging Markets** <br> **Equity Trust: Series NAV**<br> Investment Advisor: John Hancock Variable <br> Trust Advisers LLC<br> Sub-Advisor: Boston Partners Global <br> Investors, Inc.<br>| 0.99%\* | 0.10% | **1.09%** | 32.00% | 7.83% | 8.56% |
| Equity | **Legg Mason Partners Variable Equity** <br> **Trust - ClearBridge Variable Small Cap** <br> **Growth Portfolio: Class II**<br> Investment Advisor: Franklin Templeton <br> Fund Adviser, LLC<br> Sub-Advisor: ClearBridge Investments, LLC<br>| 1.06% | 0.00% | **1.06%** | 8.97% | -0.42% | 9.11% |
| Fixed Income | **Lord Abbett Series Fund, Inc. - Bond** <br> **Debenture Portfolio: Class VC**<br> Investment Advisor: Lord, Abbett & Co. LLC<br>| 0.98% | 0.00% | **0.98%** | 8.32% | 2.09% | 4.72% |
| Fixed Income | **Lord Abbett Series Fund, Inc. - Total** <br> **Return Portfolio: Class VC**<br> Investment Advisor: Lord, Abbett & Co. LLC<br>| 0.71% | 0.00% | **0.71%** | 7.19% | 0.07% | 2.28% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **MFS® Variable Insurance Trust - MFS** <br> **Growth Series: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 0.98%\* | 0.00% | **0.98%** | 11.90% | 10.82% | 15.31% |
| Equity | **MFS® Variable Insurance Trust - MFS** <br> **New Discovery Series: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.12%\* | 0.00% | **1.12%** | 12.56% | -0.54% | 10.46% |
| Equity | **MFS® Variable Insurance Trust - MFS** <br> **Value Series: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 0.94%\* | 0.00% | **0.94%** | 12.77% | 9.69% | 9.77% |
| Equity | **MFS® Variable Insurance Trust II - MFS** <br> **International Growth Portfolio: Service** <br> **Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.13%\* | 0.00% | **1.13%** | 20.81% | 6.80% | 9.60% |
| Equity | **MFS® Variable Insurance Trust II - MFS** <br> **Research International Portfolio: Service** <br> **Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.15%\* | 0.00% | **1.15%** | 21.75% | 5.25% | 7.27% |
| Equity | **MFS® Variable Insurance Trust III - MFS** <br> **Mid Cap Value Portfolio: Service Class**<br> Investment Advisor: Massachusetts <br> Financial Services Company<br>| 1.04%\* | 0.00% | **1.04%** | 5.75% | 9.90% | 9.69% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Allspring Discovery Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Allspring Global Investments, <br> LLC<br>| 1.08%\* | 0.00% | **1.08%** | 5.62% | -2.35% | 9.38% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT BlackRock Equity Dividend Fund:** <br> **Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.80%\* | 0.00% | **0.80%** | 21.44% | 11.53% | 11.37% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT BlackRock Managed Global** <br> **Allocation Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC and Nationwide Asset <br> Management, LLC<br>| 1.15%\* | 0.00% | **1.15%** | 14.84% | 4.16% | 6.06% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Aggressive Fund: Class** <br> **II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.99%\* | 0.00% | **0.99%** | 18.45% | 10.71% | 10.40% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Balanced Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.87%\* | 0.00% | **0.87%** | 12.47% | 5.93% | 6.60% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Capital Appreciation** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.90%\* | 0.00% | **0.90%** | 14.94% | 8.14% | 8.51% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Conservative Fund:** <br> **Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.83%\* | 0.00% | **0.83%** | 8.70% | 2.68% | 3.95% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Moderate Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Nationwide Asset <br> Management, LLC<br>| 0.89%\* | 0.00% | **0.89%** | 13.52% | 7.12% | 7.62% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Moderately Aggressive** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.95%\* | 0.00% | **0.95%** | 16.43% | 9.35% | 9.45% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Blueprint® Moderately** <br> **Conservative Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.87%\* | 0.00% | **0.87%** | 11.10% | 4.86% | 5.78% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT BNY Mellon Dynamic U.S. Equity** <br> **Income: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Newton Investment <br> Management Limited<br>| 0.93%\* | 0.00% | **0.93%** | 18.43% | 14.45% | 11.53% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT Bond Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.24% | 0.00% | **0.24%** | 7.06% | -0.59% | 1.79% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT DoubleLine Total Return Tactical** <br> **Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: DoubleLine Capital LP<br>| 0.58%\* | 0.00% | **0.58%** | 7.69% | 0.62% |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Fidelity Institutional AM® Emerging** <br> **Markets Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: FIAM LLC<br>| 1.12%\* | 0.00% | **1.12%** | 36.15% | 1.01% | 6.31% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Fidelity Institutional AM®** <br> **Worldwide Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: FIAM LLC<br>| 1.05%\* | 0.00% | **1.05%** |  |  |  |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Capital Preservation | **Nationwide Variable Insurance Trust -** <br> **NVIT Government Money Market Fund:** <br> **Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Federated Investment <br> Management Company<br>| 0.47% | 0.00% | **0.47%** | 3.91% | 2.95% | 1.85% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT International Equity Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Lazard Asset Management <br> LLC<br>| 0.88%\* | 0.00% | **0.88%** | 39.29% | 12.79% | 9.94% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT International Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.32% | 0.00% | **0.32%** | 30.94% | 8.68% | 8.07% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Invesco Small Cap Growth Fund:** <br> **Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Invesco Advisers, Inc.<br>| 1.32% | 0.00% | **1.32%** | 16.08% | 4.69% | 11.45% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Aggressive** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 1.02% | 0.00% | **1.02%** | 19.26% | 8.48% | 9.50% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Balanced** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.94% | 0.00% | **0.94%** | 12.97% | 4.84% | 6.03% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Capital** <br> **Appreciation Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.90%\* | 0.00% | **0.90%** | 15.70% | 6.58% | 7.85% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Conservative** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.92% | 0.00% | **0.92%** | 8.90% | 1.96% | 3.37% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Moderate** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.97% | 0.00% | **0.97%** | 14.42% | 5.67% | 6.92% |
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Moderately** <br> **Aggressive Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 1.00% | 0.00% | **1.00%** | 17.38% | 7.41% | 8.61% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Allocation | **Nationwide Variable Insurance Trust -** <br> **NVIT Investor Destinations Moderately** <br> **Conservative Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br>| 0.93% | 0.00% | **0.93%** | 11.68% | 3.78% | 5.12% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT iShares® Fixed Income ETF Fund:** <br> **Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.22%\* | 0.00% | **0.22%** | 6.88% | -0.46% |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT iShares® Global Equity ETF Fund:** <br> **Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.25%\* | 0.00% | **0.25%** | 18.57% | 11.40% |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT J.P. Morgan Digital Evolution** <br> **Strategy Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 0.96%\* | 0.00% | **0.96%** | 32.66% |  |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT J.P. Morgan Equity and Options** <br> **Total Return Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 1.04% | 0.00% | **1.04%** | 16.22% | 9.58% | 11.58% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT J.P. Morgan Inflation Managed** <br> **Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: J.P. Morgan Investment <br> Management Inc.<br>| 0.75%\* | 0.00% | **0.75%** |  |  |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Jacobs Levy Large Cap Growth** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Jacobs Levy Equity <br> Management, Inc.<br>| 0.70%\* | 0.00% | **0.70%** | 14.20% | 19.09% | 18.02% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT Loomis Core Bond Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Loomis, Sayles & Company, <br> L.P.<br>| 0.43% | 0.00% | **0.43%** | 7.03% | -0.62% | 2.23% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT Loomis Short Term Bond Fund:** <br> **Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Loomis, Sayles & Company, <br> L.P.<br>| 0.80% | 0.00% | **0.80%** | 5.43% | 1.88% | 2.12% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT Loomis Short Term High Yield** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Loomis, Sayles & Company, <br> L.P.<br>| 0.87%\* | 0.00% | **0.87%** | 5.66% | 3.26% | 5.38% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Mid Cap Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.26% | 0.00% | **0.26%** | 7.27% | 8.87% | 10.46% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Multi-Manager Small Company** <br> **Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Jacobs Levy Equity <br> Management, Inc. and Invesco Advisers, <br> Inc.<br>| 1.05%\* | 0.00% | **1.05%** | 10.35% | 8.62% | 11.00% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT NASDAQ-100 Index Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.72%\* | 0.00% | **0.72%** |  |  |  |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Putnam International Value Fund:** <br> **Class Z**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Putnam Investment <br> Management, LLC<br>| 1.08%\* | 0.00% | **1.08%** | 34.95% | 10.90% | 7.45% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Real Estate Fund: Class II**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Wellington Management <br> Company LLP<br>| 1.17%\* | 0.00% | **1.17%** | 0.33% | 5.43% | 5.75% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT S&P 500 Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.16% | 0.00% | **0.16%** | 17.70% | 14.25% | 14.64% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Small Cap Index Fund: Class Y**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: BlackRock Investment <br> Management, LLC<br>| 0.25% | 0.00% | **0.25%** | 12.54% | 5.91% | 9.46% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Small Cap Value Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Jacobs Levy Equity <br> Management, Inc.<br>| 1.06%\* | 0.00% | **1.06%** | 2.17% | 8.01% | 7.69% |
| Fixed Income | **Nationwide Variable Insurance Trust -** <br> **NVIT Strategic Income Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Amundi Asset Management, <br> US<br>| 0.80% | 0.00% | **0.80%** | 7.56% | 5.81% | 5.45% |
| Equity | **Nationwide Variable Insurance Trust -** <br> **NVIT Victory Mid Cap Value Fund: Class I**<br> Investment Advisor: Nationwide Fund <br> Advisors<br> Sub-Advisor: Victory Capital Management <br> Inc.<br>| 0.85%\* | 0.00% | **0.85%** | 2.39% | 7.91% | 7.66% |
| Equity | **New Age Alpha Variable Funds Trust -** <br> **NAA Large Growth Series**<br> Investment Advisor: New Age Alpha <br> Advisors, LLC<br>| 1.01%\* | 0.00% | **1.01%** | 17.02% | 13.89% | 17.04% |
| Hybrid Securities | **New York Life Investments VP Funds** <br> **Trust - NYLIM VP MacKay Convertible** <br> **Portfolio: Service 2 Class (formerly, New** <br> **York Life Investments VP Funds Trust -** <br> **NYLI VP MacKay Convertible Portfolio:** <br> **Service 2 Class)**<br> Investment Advisor: New York Life <br> Investment Management LLC<br> Sub-Advisor: MacKay Shields LLC<br>| 0.92% | 0.00% | **0.92%** | 15.99% | 5.24% | 10.00% |
| Allocation | **PIMCO Variable Insurance Trust - All** <br> **Asset Portfolio: Advisor Class**<br> Investment Advisor: PIMCO<br> Sub-Advisor: Research Affiliates, LLC<br>| 2.23%\* | 0.00% | **2.23%** | 14.19% | 5.49% | 6.67% |
| Real Assets | **PIMCO Variable Insurance Trust -** <br> **CommodityRealReturn® Strategy** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 3.19%\* | 0.00% | **3.19%** | 18.79% | 10.55% | 6.54% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Dynamic Bond Portfolio: Administrative** <br> **Class**<br> Investment Advisor: PIMCO<br>| 1.06% | 0.00% | **1.06%** | 8.11% | 3.01% | 3.55% |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **Emerging Markets Bond Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.17% | 0.00% | **1.17%** | 14.98% | 2.44% | 5.06% |
| Fixed Income | **PIMCO Variable Insurance Trust - High** <br> **Yield Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.81% | 0.00% | **0.81%** | 8.95% | 3.97% | 5.57% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Fixed Income | **PIMCO Variable Insurance Trust - Income** <br> **Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.92% | 0.00% | **0.92%** | 10.19% | 3.41% |  |
| Fixed Income | **PIMCO Variable Insurance Trust -** <br> **International Bond Portfolio (U.S. Dollar-**<br> **Hedged): Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.09% | 0.00% | **1.09%** | 3.95% | 1.03% | 2.88% |
| Fixed Income | **PIMCO Variable Insurance Trust - Long-**<br> **Term U.S. Government Portfolio:** <br> **Administrative Class**<br> Investment Advisor: PIMCO<br>| 2.48% | 0.00% | **2.48%** | 6.29% | -6.79% | 0.02% |
| Fixed Income | **PIMCO Variable Insurance Trust - Real** <br> **Return Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 1.39% | 0.00% | **1.39%** | 7.85% | 1.21% | 3.21% |
| Fixed Income | **PIMCO Variable Insurance Trust - Short-**<br> **Term Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.65% | 0.00% | **0.65%** | 4.67% | 3.25% | 2.76% |
| Fixed Income | **PIMCO Variable Insurance Trust - Total** <br> **Return Portfolio: Administrative Class**<br> Investment Advisor: PIMCO<br>| 0.73% | 0.00% | **0.73%** | 8.89% | 0.02% | 2.36% |
| Allocation | **Putnam Variable Trust - Putnam VT** <br> **George Putnam Balanced Fund: Class IB**<br> Investment Advisor: Putnam Investment <br> Management, LLC<br> Sub-Advisor: Franklin Advisers, Inc., <br> Franklin Templeton Investment Management <br> Limited<br>| 0.88% | 0.00% | **0.88%** | 13.95% | 8.85% | 10.17% |
| Equity | **Putnam Variable Trust - Putnam VT** <br> **International Equity Fund: Class IB**<br> Investment Advisor: Putnam Investment <br> Management, LLC<br> Sub-Advisor: Franklin Advisers, Inc., <br> Franklin Templeton Investment Management <br> Limited, The Putnam Advisory Company, <br> LLC<br>| 1.06% | 0.00% | **1.06%** | 37.68% | 9.28% | 8.13% |
| Equity | **Putnam Variable Trust - Putnam VT** <br> **Sustainable Leaders Fund: Class IB**<br> Investment Advisor: Putnam Investment <br> Management, LLC<br> Sub-Advisor: Franklin Advisers, Inc., <br> Franklin Templeton Investment Management <br> Limited<br>| 0.88% | 0.00% | **0.88%** | 10.69% | 10.34% | 14.69% |
| Equity | **Rydex Variable Trust - Financial Services** <br> **Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.83%\* | 0.00% | **1.83%** | 10.76% | 11.31% | 9.88% |
| Equity | **Rydex Variable Trust -** <br> **Telecommunications Fund**<br> Investment Advisor: Guggenheim <br> Investments<br>| 1.78%\* | 0.00% | **1.78%** | 31.13% | 5.45% | 6.64% |
| Equity | **T. Rowe Price Equity Series, Inc. - T.** <br> **Rowe Price Blue Chip Growth Portfolio: II**<br> Investment Advisor: T. Rowe Price <br> Associates, Inc.<br>| 1.00% | 0.00% | **1.00%** | 18.43% | 11.41% | 15.25% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **T. Rowe Price Equity Series, Inc. - T.** <br> **Rowe Price Health Sciences Portfolio: II**<br> Investment Advisor: T. Rowe Price <br> Associates, Inc.<br>| 1.11% | 0.00% | **1.11%** | 17.80% | 3.86% | 8.70% |
| Equity | **VanEck VIP Trust - VanEck VIP Global** <br> **Gold Fund: Class S**<br> Investment Advisor: Van Eck Associates <br> Corporation<br>| 1.45%\* | 0.00% | **1.45%** | 164.43% | 20.00% | 20.88% |
| Equity | **VanEck VIP Trust - VanEck VIP Global** <br> **Resources Fund: Class S**<br> Investment Advisor: Van Eck Associates <br> Corporation<br>| 1.32% | 0.00% | **1.32%** | 36.17% | 10.24% | 8.06% |
| Allocation | **Vanguard Variable Insurance Fund -** <br> **Balanced Portfolio**<br> Investment Advisor: Wellington Management <br> Company, LLP<br>| 0.20% | 0.35% | **0.55%** | 16.46% | 9.29% | 10.03% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Capital Growth Portfolio**<br> Investment Advisor: PRIMECAP <br> Management Company<br>| 0.34% | 0.35% | **0.69%** | 28.98% | 13.97% | 14.96% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Diversified Value Portfolio**<br> Investment Advisor: Hotchkis and Wiley <br> Capital Management, LLC, Lazard Asset <br> Management<br>| 0.28% | 0.35% | **0.63%** | 16.83% | 13.24% | 11.76% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Equity Income Portfolio**<br> Investment Advisor: Wellington Management <br> Company, LLP; Vanguard Group Inc. <br> (Quantitative Equity Group)<br>| 0.29% | 0.35% | **0.64%** | 16.80% | 12.59% | 11.52% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Equity Index Portfolio**<br> Investment Advisor: Vanguard Strategic <br> Equity Index Management<br>| 0.14% | 0.35% | **0.49%** | 17.70% | 14.27% | 14.66% |
| Fixed Income | **Vanguard Variable Insurance Fund -** <br> **Global Bond Index Portfolio**<br> Investment Advisor: The Vanguard Group <br> Inc. (Vanguard Fixed Income Group)<br>| 0.13% | 0.35% | **0.48%** | 5.69% | -0.41% |  |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Growth Portfolio**<br> Investment Advisor: Wellington Management <br> Company, LLP<br>| 0.36% | 0.35% | **0.71%** | 16.89% | 11.36% | 15.58% |
| Fixed Income | **Vanguard Variable Insurance Fund - High** <br> **Yield Bond Portfolio**<br> Investment Advisor: Wellington Management <br> Company, LLP and Vanguard Group, Inc. <br> (Vanguard Fixed Income Group)<br>| 0.24% | 0.35% | **0.59%** | 9.18% | 4.05% | 5.62% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **International Portfolio**<br> Investment Advisor: Baillie Gifford Overseas <br> Ltd.; Schroder Investment Management <br> North America, Inc.<br>| 0.32% | 0.35% | **0.67%** | 19.97% | 0.62% | 10.48% |
| Equity | **Vanguard Variable Insurance Fund - Mid-**<br> **Cap Index Portfolio**<br> Investment Advisor: Vanguard Strategic <br> Equity Index Management<br>| 0.17% | 0.35% | **0.52%** | 11.54% | 8.46% | 10.77% |

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* | **Average Annual**<br> **Total Returns**<br> *(as of 12/31/2025)* |
| **Type** | **Underlying Mutual Fund and Adviser/**<br> **Subadviser** | **Current**<br> **Expenses** | **Low Cost**<br> **Fund**<br> **Fee**<sup>1</sup> | **Current**<br> **Expenses +**<br> **Low Cost**<br> **Fund**<br> **Fee** | **1**<br> **year**<br>| **5**<br> **year**<br>| **10**<br> **year**<br>|
| Equity | **Vanguard Variable Insurance Fund - Real** <br> **Estate Index Portfolio**<br> Investment Advisor: Vanguard Strategic <br> Equity Index Management<br>| 0.26% | 0.35% | **0.61%** | 3.11% | 4.51% | 5.08% |
| Fixed Income | **Vanguard Variable Insurance Fund -** <br> **Short-Term Investment-Grade Portfolio**<br> Investment Advisor: The Vanguard Group <br> Inc. (Vanguard Fixed Income Group)<br>| 0.14% | 0.35% | **0.49%** | 6.85% | 2.23% | 2.81% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Small Company Growth Portfolio**<br> Investment Advisor: ArrowMark Partners; <br> The Vanguard Group, Inc. (Vanguard <br> Quantitative Equity Group)<br>| 0.29% | 0.35% | **0.64%** | 6.11% | 3.81% | 9.61% |
| Fixed Income | **Vanguard Variable Insurance Fund -** <br> **Total Bond Market Index Portfolio**<br> Investment Advisor: The Vanguard Group <br> Inc. (Vanguard Fixed Income Group)<br>| 0.14% | 0.35% | **0.49%** | 6.94% | -0.51% | 1.90% |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Total International Stock Market Index** <br> **Portfolio**<br> Investment Advisor: Vanguard Strategic <br> Equity Index Management<br>| 0.09% | 0.35% | **0.44%** | 32.04% | 7.88% |  |
| Equity | **Vanguard Variable Insurance Fund -** <br> **Total Stock Market Index Portfolio**<br> Investment Advisor: Vanguard Strategic <br> Equity Index Management<br>| 0.13% | 0.35% | **0.48%** | 16.93% | 12.98% | 14.10% |
| Equity | **Victory Variable Insurance Funds II -** <br> **Victory Pioneer Fund VCT Portfolio:** <br> **Class II**<br> Investment Advisor: Victory Capital <br> Management, Inc.<br>| 1.00%\* | 0.00% | **1.00%** | 23.08% | 14.69% | 15.47% |

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\*

This underlying mutual fund's current expenses reflect a temporary fee reduction.

<sup>1</sup>

Reflects the current Low Cost Fund Fee. The maximum Low Cost Fund Fee applicable for any Sub-Account is 0.70%.

**Income Benefit Investment Options**

Certain optional benefits restrict how the Contract Owner can invest their Contract Value by limiting the investment options in which the Contract Owner can invest and/or requiring use of a specified asset allocation service. The investment options available under each optional living benefit are chosen by Nationwide based on each investment option's risk characteristics. The permitted investment options are more conservative than those that are not permitted. This helps Nationwide manage its obligation to provide Contract Owners with Lifetime Withdrawals by reducing the likelihood that it will have to make unanticipated payments. By electing an optional living benefit and accepting the limited menu of investment options, Contract Owners may be foregoing investment gains that could otherwise be realized by investing in riskier investment options that are not available under the optional living benefit. Only the investment options shown below (and designated by an "X") are available in connection with the respective optional benefit.

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| | |
|:---|:---|
| **Investment Option** | &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus**<br> **Empire**<br> **Advisory**<br>|
| Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced Fund: Class II | X |

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| | |
|:---|:---|
| **Investment Option** | &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus**<br> **Empire**<br> **Advisory**<br>|
| Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Aggressive Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Aggressive Fund: Class II | X |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative Fund: Class II | X |
| Custom Choice Asset Rebalancing Service | X |

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**Custom Choice Asset Rebalancing Service Investment Options**

Contract Owners who elect to participate in the Custom Choice Asset Rebalancing Service are limited to only the investment options shown below. Allocations must meet the required minimum and maximum thresholds within each group. These tables disclose only the Sub-Accounts that currently comprise Groups A, B, and C, and the current allocation limitations.

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| | |
|:---|:---|
|  | &nbsp;&nbsp; **Nationwide Lifetime Income**<br> **Rider Plus Empire Advisory**<br>|
| Group A | 0% - 100% |
| Group B | 0% - 100% |
| Group C | 0% - 10% |
| Total | 100% |

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The following table indicates the investment options (designated with an "X") that are available in each group:

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Alger Capital Appreciation Portfolio: Class I-2 Shares |  | X |  |
| AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Discovery Value Portfolio: <br> Class A<br>|  | X |  |
| AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Large Cap Growth <br> Portfolio: Class B<br>|  | X |  |
| AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Relative Value Portfolio: <br> Class A<br>|  | X |  |
| American Funds Insurance Series® - American Funds® Global Balanced Fund: Class 4 |  | X |  |
| American Funds Insurance Series® - American High-Income Trust: Class 4 |  |  | X |
| American Funds Insurance Series® - Asset Allocation Fund: Class 4 |  | X |  |
| American Funds Insurance Series® - Capital Income Builder®: Class 4 |  |  | X |
| American Funds Insurance Series® - Global Growth Fund: Class 4 |  | X |  |
| American Funds Insurance Series® - Global Small Capitalization Fund: Class 4 |  | X |  |
| American Funds Insurance Series® - Growth Fund: Class 4 |  | X |  |

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| American Funds Insurance Series® - Growth-Income Fund: Class 4 |  | X |  |
| American Funds Insurance Series® - New World Fund®: Class 4 |  | X |  |
| American Funds Insurance Series® - The Bond Fund of America: Class 4 | X |  |  |
| American Funds Insurance Series® - U.S. Government Securities Fund: Class 4 | X |  |  |
| American Funds Insurance Series® - Washington Mutual Investors Fund: Class 4 |  | X |  |
| BlackRock Variable Series Funds II, Inc. - BlackRock High Yield V.I. Fund: Class III |  |  | X |
| BlackRock Variable Series Funds II, Inc. - BlackRock Total Return V.I. Fund: Class III | X |  |  |
| BlackRock Variable Series Funds, Inc. - BlackRock 60/40 Target Allocation ETF V.I. Fund: <br> Class III<br>|  | X |  |
| Calvert Variable Series, Inc. - Calvert VP SRI Balanced Portfolio: Class F |  | X |  |
| Calvert Variable Trust, Inc. - CVT Nasdaq 100 Index Portfolio: Class F |  | X |  |
| Columbia Funds Variable Insurance Trust - Columbia Variable Portfolio - Small Cap Value <br> Discovery Fund: Class 2 (formerly, Columbia Funds Variable Series Trust - Columbia <br> Variable Portfolio - Small Cap Value Discovery Fund: Class 2)<br>|  | X |  |
| Columbia Funds Variable Insurance Trust - Columbia Variable Portfolio - Small Company <br> Growth Fund: Class 2 (formerly, Columbia Funds Variable Series Trust - Columbia Variable <br> Portfolio - Small Company Growth Fund: Class 2)<br>|  | X |  |
| Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - High Yield Bond <br> Fund: Class 2<br>|  |  | X |
| Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Select Mid Cap <br> Growth Fund: Class 2<br>|  | X |  |
| Columbia Funds Variable Series Trust II - Columbia Variable Portfolio - Seligman Global <br> Technology: Class 2 (formerly, Columbia Funds Variable Insurance Trust II - Columbia <br> Variable Portfolio - Seligman Global Technology: Class 2)<br>|  |  | X |
| Delaware VIP Trust - Nomura VIP Small Cap Value Series: Service Class |  | X |  |
| Deutsche DWS Variable Series II - DWS Alternative Asset Allocation VIP: Class B |  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA Equity Allocation Portfolio: <br> Institutional Class<br>|  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA Global Bond Portfolio | X |  |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA Global Moderate Allocation <br> Portfolio: Institutional Class<br>|  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA International Small Portfolio |  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA International Value Portfolio |  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA Short-Term Fixed Portfolio | X |  |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA U.S. Large Value Portfolio |  | X |  |
| DFA Investment Dimensions Group Inc. - Dimensional VA U.S. Targeted Value Portfolio |  | X |  |
| Fidelity Variable Insurance Products - Emerging Markets Portfolio: Service Class 2 |  |  | X |
| Fidelity Variable Insurance Products Fund - VIP Balanced Portfolio: Service Class 2 |  | X |  |
| Fidelity Variable Insurance Products Fund - VIP Contrafund® Portfolio: Service Class 2 |  | X |  |
| Fidelity Variable Insurance Products Fund - VIP Energy Portfolio: Service Class 2 |  |  | X |
| Fidelity Variable Insurance Products Fund - VIP Floating Rate High Income Portfolio: Initial <br> Class<br>| X |  |  |
| Fidelity Variable Insurance Products Fund - VIP Growth & Income Portfolio: Service Class <br> 2<br>|  | X |  |
| Fidelity Variable Insurance Products Fund - VIP Growth Opportunities Portfolio: Service <br> Class 2<br>|  | X |  |
| Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: Service Class 2 |  | X |  |

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Fidelity Variable Insurance Products Fund - VIP International Capital Appreciation <br> Portfolio: Service Class 2<br>|  | X |  |
| Fidelity Variable Insurance Products Fund - VIP Investment Grade Bond Portfolio: Service <br> Class 2<br>| X |  |  |
| Fidelity Variable Insurance Products Fund - VIP Strategic Income Portfolio: Service Class <br> 2<br>| X |  |  |
| Fidelity Variable Insurance Products Fund - VIP Value Strategies Portfolio: Service Class 2 |  | X |  |
| First Eagle Variable Funds - Overseas Variable Fund |  | X |  |
| Goldman Sachs Variable Insurance Trust - Goldman Sachs Mid Cap Growth Fund: Service <br> Shares<br>|  | X |  |
| Goldman Sachs Variable Insurance Trust - Goldman Sachs Small Cap Equity Insights <br> Fund: Service Shares<br>|  | X |  |
| Guggenheim Variable Funds Trust - Series E (Total Return Bond Series) | X |  |  |
| Guggenheim Variable Funds Trust - Series F (Floating Rate Strategies Series) | X |  |  |
| Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series II |  | X |  |
| Janus Aspen Series - Janus Henderson Balanced Portfolio: Service Shares |  | X |  |
| Janus Aspen Series - Janus Henderson Enterprise Portfolio: Service Shares |  | X |  |
| Janus Aspen Series - Janus Henderson Flexible Bond Portfolio: Service Shares | X |  |  |
| Janus Aspen Series - Janus Henderson Global Research Portfolio: Service Shares |  | X |  |
| Janus Aspen Series - Janus Henderson Global Sustainable Equity Portfolio: Institutional <br> Shares<br>|  |  | X |
| Janus Aspen Series - Janus Henderson Global Technology and Innovation Portfolio: <br> Service Shares<br>|  | X |  |
| Janus Aspen Series - Janus Henderson Overseas Portfolio: Service Shares |  |  | X |
| John Hancock Variable Insurance Trust - Disciplined Value Emerging Markets Equity Trust: <br> Series NAV<br>|  |  | X |
| Legg Mason Partners Variable Equity Trust - ClearBridge Variable Large Cap Growth <br> Portfolio: Class I<br>|  | X |  |
| Legg Mason Partners Variable Equity Trust - ClearBridge Variable Small Cap Growth <br> Portfolio: Class II<br>|  | X |  |
| Lord Abbett Series Fund, Inc. - Bond Debenture Portfolio: Class VC | X |  |  |
| Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC | X |  |  |
| MFS® Variable Insurance Trust - MFS Growth Series: Service Class |  | X |  |
| MFS® Variable Insurance Trust - MFS New Discovery Series: Service Class |  | X |  |
| MFS® Variable Insurance Trust - MFS Value Series: Service Class |  | X |  |
| MFS® Variable Insurance Trust II - MFS International Growth Portfolio: Service Class |  | X |  |
| MFS® Variable Insurance Trust II - MFS Research International Portfolio: Service Class |  | X |  |
| MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: Service Class |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Allspring Discovery Fund: Class II |  |  | X |
| Nationwide Variable Insurance Trust - NVIT BlackRock Equity Dividend Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT BlackRock Managed Global Allocation Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Aggressive Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Balanced Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II |  | X |  |

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Aggressive Fund: Class <br> II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Bond Index Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT DoubleLine Total Return Tactical Fund: Class <br> Y<br>| X |  |  |
| Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Emerging Markets <br> Fund: Class II<br>|  |  | X |
| Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Worldwide Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Government Money Market Fund: Class I | X |  |  |
| Nationwide Variable Insurance Trust - NVIT International Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Invesco Small Cap Growth Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund: Class <br> II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Aggressive <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income ETF Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT iShares® Global Equity ETF Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT J.P. Morgan Digital Evolution Strategy Fund: <br> Class II<br>|  |  | X |
| Nationwide Variable Insurance Trust - NVIT J.P. Morgan Equity and Options Total Return <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation Managed Fund: Class II |  |  | X |
| Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Core Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Core Bond Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class II | X |  |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Short Term High Yield Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Company Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Putnam International Value Fund: Class Z |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Real Estate Fund: Class II |  |  | X |
| Nationwide Variable Insurance Trust - NVIT S&P 500 Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Small Cap Value Fund: Class I |  | X |  |

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Nationwide Variable Insurance Trust - NVIT Strategic Income Fund: Class I | X |  |  |
| Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value Fund: Class I |  | X |  |
| New Age Alpha Variable Funds Trust - NAA Large Growth Series |  | X |  |
| New York Life Investments VP Funds Trust - NYLIM VP MacKay Convertible Portfolio: <br> Service 2 Class (formerly, New York Life Investments VP Funds Trust - NYLI VP MacKay <br> Convertible Portfolio: Service 2 Class)<br>|  | X |  |
| PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor Class |  |  | X |
| PIMCO Variable Insurance Trust - CommodityRealReturn® Strategy Portfolio: <br> Administrative Class<br>|  |  | X |
| PIMCO Variable Insurance Trust - Dynamic Bond Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio: Administrative Class |  |  | X |
| PIMCO Variable Insurance Trust - High Yield Portfolio: Administrative Class |  |  | X |
| PIMCO Variable Insurance Trust - Income Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - International Bond Portfolio (U.S. Dollar-Hedged): <br> Administrative Class<br>|  |  | X |
| PIMCO Variable Insurance Trust - Long-Term U.S. Government Portfolio: Administrative <br> Class<br>| X |  |  |
| PIMCO Variable Insurance Trust - Real Return Portfolio: Administrative Class |  |  | X |
| PIMCO Variable Insurance Trust - Short-Term Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - Total Return Portfolio: Administrative Class | X |  |  |
| Putnam Variable Trust - Putnam VT George Putnam Balanced Fund: Class IB |  | X |  |
| Putnam Variable Trust - Putnam VT International Equity Fund: Class IB |  | X |  |
| Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class IB |  | X |  |
| Rydex Variable Trust - Financial Services Fund |  |  | X |
| Rydex Variable Trust - Telecommunications Fund |  |  | X |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip Growth Portfolio: II |  | X |  |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences Portfolio: II |  |  | X |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth Portfolio: II |  |  | X |
| VanEck VIP Trust - VanEck VIP Global Gold Fund: Class S |  |  | X |
| VanEck VIP Trust - VanEck VIP Global Resources Fund: Class S |  |  | X |
| Vanguard Variable Insurance Fund - Balanced Portfolio |  |  | X |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Diversified Value Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Equity Income Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Equity Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Global Bond Index Portfolio |  |  | X |
| Vanguard Variable Insurance Fund - Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - High Yield Bond Portfolio |  |  | X |
| Vanguard Variable Insurance Fund - International Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Real Estate Index Portfolio |  |  | X |
| Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio | X |  |  |
| Vanguard Variable Insurance Fund - Small Company Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio | X |  |  |
| Vanguard Variable Insurance Fund - Total International Stock Market Index Portfolio |  | X |  |

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio |  | X |  |
| Victory Variable Insurance Funds II - Victory Pioneer Fund VCT Portfolio: Class II |  | X |  |

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**Outside back cover page**

This summary prospectus incorporates by reference the statutory prospectus and Statement of Additional Information, both dated May 1, 2026, as amended or supplemented. The statutory prospectus and Statement of Additional Information may be obtained, free of charge, at https://nationwide.onlineprospectus.net/NW/C000206993NW/index.php.

Reports and other information about the Variable Account are available on the SEC's website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

SEC Contract Identifier: C000206993

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