# EDGAR Filing Document

**Accession Number:** 0001618629
**File Stem:** 0001193125-25-313550
**Filing Date:** 2025-12
**Character Count:** 140162
**Document Hash:** 23eaf462f54c162caec270b9d81e553d
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-313550.hdr.sgml**: 20251210

**ACCESSION NUMBER**: 0001193125-25-313550

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 7

**FILED AS OF DATE**: 20251210

**DATE AS OF CHANGE**: 20251210

**EFFECTIVENESS DATE**: 20251210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nationwide Jefferson National VA Separate Account 1
- **CENTRAL INDEX KEY:** 0001618629

**ORGANIZATION NAME:**
- **EIN:** 471180302

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-22994
- **FILM NUMBER:** 251560925

**BUSINESS ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223
- **BUSINESS PHONE:** 5025873809

**MAIL ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Jefferson National Life of New York Annuity Account 1
- **DATE OF NAME CHANGE:** 20140904
**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Nationwide Jefferson National VA Separate Account 1
- **CENTRAL INDEX KEY:** 0001618629

**ORGANIZATION NAME:**
- **EIN:** 471180302

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-288440
- **FILM NUMBER:** 251560924

**BUSINESS ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223
- **BUSINESS PHONE:** 5025873809

**MAIL ADDRESS:**
- **STREET 1:** 10350 ORMSBY PARK PLACE
- **CITY:** LOUISVILLE
- **STATE:** KY
- **ZIP:** 40223

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Jefferson National Life of New York Annuity Account 1
- **DATE OF NAME CHANGE:** 20140904

## Series and Classes Contracts Data

### Nationwide Jefferson National VA Separate Account 1 (Series ID: S000047360)

| Class ID   | Class Name                       | Ticker Symbol   |
|:---|:---|:---|
| C000263998 | Monument Advisor Select New York |  |

As filed with the Securities and Exchange Commission on December 10, 2025

**UNITED STATES** <br>**SECURITIES AND EXCHANGE COMMISSION** <br>**WASHINGTON, D.C. 20549**

**FORM N-4**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933**File No. **333-288440**

Pre-Effective Amendment No.

☐

Post-Effective Amendment No. 2

☒

and/or

**REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940**File No. **811-22994**

Amendment No. 22

☒

(Check appropriate box or boxes.)

**Nationwide Jefferson National VA Separate Account 1**

------

(Exact Name of Registrant)

**Nationwide Life Insurance Company**

------

(Name of Depositor)

**One Nationwide Plaza, Columbus, OH 43215**

------

(Address of Depositor's Principal Executive Offices) (Zip Code)

**(614) 249-7111**

------

Depositor's Telephone Number, including Area Code

**Denise L. Skingle, Senior Vice President and Secretary** <br>**One Nationwide Plaza, Columbus, Ohio 43215**

------

(Name and Address of Agent for Service)

**December 10, 2025**

------

Approximate Date of Proposed Public Offering

It is proposed that this filing will become effective (check appropriate box)

☐ immediately upon filing pursuant to paragraph (b)

☒ on December 10, 2025 pursuant to paragraph (b)

☐ 60 days after filing pursuant to paragraph (a)(1)

☐ on pursuant to paragraph (a)(1)

If appropriate, check the following box:

☐ this post-effective amendment designates a new effective date for a previously filed post-effective amendment.

------

**Supplement dated December 10, 2025** <br> **to the following statutory prospectus(es):**

Monument Advisor Select New York dated May 1, 2025

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

Nationwide will begin accepting applications for this contract on April 13, 2026. Contracts issued for applications signed on or after April 13, 2026 will be issued as Modified Single Premium Deferred Variable Annuity contracts and will not accept subsequent purchase payments. Contracts issued for applications signed before January 1, 2026 were issued as Individual Variable Annuities and will continue to permit subsequent purchase payments according to the terms of the contracts.

**Accordingly, the following changes apply to the prospectus:** 

**1) The subheading describing the type of contract on the first page of the prospectus is modified as follows:** 

"For Contracts with applications signed on or after April 13, 2026, an Individual Modified Single Premium Deferred Variable Annuity.

For Contracts with applications signed before January 1, 2026, an Individual Variable Annuity."

**2) The first sentence of the fifth paragraph on the first page is deleted in its entirety and replaced with the following:** 

"For Contracts with applications signed on or after April 13, 2026, this prospectus describes the Monument Advisor Select® NY Individual Modified Single Premium Deferred Variable Annuity Contract offered by Nationwide Life Insurance Company (Company, Nationwide, We, Us, Our). For Contracts with applications signed before January 1, 2026, this prospectus describes the Monument Advisor Select® NY Individual Variable Annuity Contract offered by Nationwide."

**3) The definition of "Contract" in the "Definitions of Special Terms" section is deleted in its entirety and replaced with the following:** 

"**Contract:** For applications signed on or after April 13, 2026, "Contract" refers to the Monument Advisor Select® NY Individual Modified Single Premium Deferred Variable Annuity Contract. For applications signed before January 1, 2026, "Contract" refers to Monument Advisor Select® NY Individual Variable Annuity Contract."

**4) The definition of "Purchase Payment" in the "Definitions of Special Terms" section is deleted in its entirety and replaced with the following:** 

"**Purchase Payment:** The money you give Us to buy the Contract, as well as any additional money you give Us to invest in the Contract after you own it. For applications signed on or after April 13, 2026, additional Purchase Payments are not permitted, except otherwise allowed in *Purchase Payments*. For applications signed before January 1, 2026, additional Purchase Payments are permitted, subject to certain restrictions. See *Purchase Payments*."

**5) The "Deposits to the Contract" subsection in the "Contract Features" section is deleted in its entirety and replaced with the following:** 

"For applications signed on or after April 13, 2026, additional Purchase Payments are not permitted, except otherwise allowed in *Purchase Payments*. For applications signed before January 1, 2026, Owners can apply additional Purchase Payments to the Contract until the Annuity Date, subject to certain restrictions (see, *Purchase Payments*)."

**6) The "Purchase Payment" subsection is deleted in its entirety and replaced with the following:** 

"A Purchase Payment is the money you give Us to buy the Contract. The minimum initial Purchase Payment We will accept is $15,000. We reserve the right to issue a Contract for less than $15,000 with Our approval, subject to the terms and conditions we may require. The maximum We accept is $10,000,000 without Our prior approval and will be subject to such terms and conditions as We may require.

Company reserves the right to refuse any Purchase Payment. Company does not accept Purchase Payments in the form of cash, cash equivalents or checks payable in foreign currency or issued by non-U.S. financial institutions. Purchase Payments made in the form of check, wire or EFT must be drawn upon the account of a U.S. financial institution.

PROS-1132

------

For applications signed on or after April 13, 2026, additional Purchase Payments are not permitted, and any additional Purchase Payments received by the Company will be rejected and returned to the Owner. However, Company will accept additional Purchase Payments made in connection with a Section 1035 exchange or transfer that is specified at the time of application for the Contract. Company reserves the right to reject any additional Purchase Payments that are not received within six months of the date the Contract is issued.

For applications signed on or before January 1, 2026, subject to the maximum described above, you can make additional Purchase Payments of any amount and at any time before the Annuity Date. However, We reserve the right to impose minimums on additional Purchase Payments.

If mandated under applicable law, the Company may be required to reject a Purchase Payment. The Company also may be required to provide additional information about an Owner's account to government regulators. In addition, the Company may be required to block an Owner's account and thereby refuse to pay any request for transfers, full or partial withdrawals (including systematic withdrawals and withdrawals made to pay Advisor Fees), or death benefits until instructions are received from the appropriate regulator."

**7) The second paragraph of the subsection "Annuity Payment Amount" is deleted in its entirety and replaced with the following:** 

"For contracts issued before January 1, 2026, Annuity Payments are made monthly unless you have less than $2,000 to apply toward purchasing an Annuity Option. In that case, we may make a single lump sum payment to you instead of Annuity Payments. For contracts issued after April 13, 2026, Annuity Payments are made monthly unless you have less than $5,000 to apply toward purchasing an Annuity Option after three full years. In that case, we may make a single lump sum payment to you instead of Annuity Payments. Likewise, if your Annuity Payments would be less than $20 a month, we have the right to change the frequency of payments so that your Annuity Payments are at least $20."

PROS-1132

------

**Incorporation by Reference**

The statutory prospectus supplements dated May 1, 2025, May 29, 2025, May 30, 2025, July 1, 2025, July 3, 2025, July 10, 2025, July 31, 2025, September 29, 2025, October 10, 2025, October 14, 2025 and November 7, 2025, the statutory prospectus and Statement of Additional Information, except as modified herein, that were effective May 1, 2025, previously filed with the Commission under SEC file No. 333-288440, are hereby incorporated by reference and made a part of this registration statement.

Statutory Prospectus Supplements:

1)

[Prospectus Supplement dated and filed on May 1, 2025 as document number d807903d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525108721/d807903d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525108721/d807903d497.htm)

2)

[Prospectus Supplement dated and filed on May 29, 2025 as document number d948956d485bpos.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525130023/d948956d485bpos.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525130023/d948956d485bpos.htm)

3)

[Prospectus Supplement dated and filed on May 30, 2025 as document number d908211d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525131338/d908211d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525131338/d908211d497.htm)

4)

[<u>Prospectus Supplement dated and filed on July 1, 2025 as document number d939185d497.htm and hereby</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525154089/d939185d497.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525154089/d939185d497.htm)

5)

[<u>Prospectus Supplement dated and filed on July 1, 2025 as document number d917610d497.htm and hereby</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525154098/d917610d497.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525154098/d917610d497.htm)

6)

[Prospectus Supplement dated and filed on July 3, 2025 as document number d36734d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525155205/d36734d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525155205/d36734d497.htm)

7)

[Prospectus Supplement dated and filed on July 10, 2025 as document number d933591d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525157341/d933591d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525157341/d933591d497.htm)

8)

[Prospectus Supplement dated and filed on July 31, 2025 as document number d21365d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525169999/d21365d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525169999/d21365d497.htm)

9)

[<u>Prospectus Supplement dated and filed on September 29, 2025 as document number d235358d497vpsub.htm and</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525221589/d235358d497vpsub.htm)[<u>hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525221589/d235358d497vpsub.htm)

10)

[Prospectus Supplement dated and filed on October 10, 2025 as document number d42414d485bpos.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525236499/d42414d485bpos.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525236499/d42414d485bpos.htm)

11)

[Prospectus Supplement dated and filed on October 14, 2025 as document number d926855d497.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525238213/d926855d497.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525238213/d926855d497.htm)

12)

[<u>Prospectus Supplement dated and filed on November 7, 2025 as document number d58252d497.htm and hereby</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525270871/d58252d497.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525270871/d58252d497.htm)

Statutory Prospectuses:

1)

[Monument Advisor New York prospectus effective May 1, 2025 filed on April 25, 2025, registration statement (333-](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)[198590), as document number d925756d485bpos.htm and hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)

2)

[Monument Advisor Select New York prospectus effective May 1, 2025 filed on April 25, 2025, registration statement](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)[(333-198590), as document number d925756d485bpos.htm and hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)

Statement of Additional Information:

1)

[<u>Monument Advisor New York Statement of Additional Information effective July 1, 2025 filed on July 1, 2025,</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dn4.htm)[<u>registration statement (333-288440), as document number d138721dn4.htm and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dn4.htm)

2)

[Monument Advisor New York Statement of Additional Information effective May 1, 2025 filed on April 25, 2025,](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)[registration statement (333-198590), as document number d925756d485bpos.htm and hereby incorporated by](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)[reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1618629/000119312525094694/d925756d485bpos.htm)

------

**PART C. OTHER INFORMATION**

**Item 27. Exhibits**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a)

Resolutions of the Board of Directors

1)

[<u>Resolution of Board of Directors of Jefferson National Life Insurance Company of New York authorizing the</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d1a.htm)[<u>establishment of the Separate Account – Filed previously with initial registration statement (333-198590) on</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d1a.htm)[<u>September 5, 2014 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d1a.htm)

2)

[<u>Resolution of Board of Directors of Jefferson National Life Insurance Company of New York changing the</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927a2.htm)[<u>name of the Separate Account from "Jefferson National Life of New York Annuity Account 1" to "Nationwide</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927a2.htm)[<u>Jefferson National VA Separate Account 1" – Filed previously with initial registration statement (333-</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927a2.htm)[<u>288440) on July 1, 2025 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927a2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b)

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c)

Underwriting or Distribution Contracts.

1)

[<u>Amended and Restated Distribution Agreement dated November 1, 2022 between Nationwide Life</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312522274844/d411880dex99c4.htm)[<u>Insurance Company, Nationwide Life and Annuity Insurance Company,Jefferson National Life Insurance</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312522274844/d411880dex99c4.htm)[<u>Company, and Nationwide Investment Services Corporation – Filed previously with Post-Effective</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312522274844/d411880dex99c4.htm)[<u>Amendment No. 29 on November 1, 2022 (333-124048) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312522274844/d411880dex99c4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d)

Variable Annuity Contracts.

1)

[Form of variable annuity contract – Attached hereto.](d45812dex99d1.htm)

2)

[<u>Form of Policy Form - Filed previously with initial registration statement (333-198590) on September 5, 2014</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d2a.htm)[<u>and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d2a.htm)

3)

[<u>Form of IRA Endorsement - Filed previously with initial registration statement (333-198590) on September</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d4a.htm)[<u>5, 2014 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d4a.htm)

4)

[<u>Form of Roth IRA Endorsement - Filed previously with initial registration statement (333-198590) on</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d4b.htm)[<u>September 5, 2014 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465914064956/a14-20426_1ex99d4b.htm)

5)

[<u>Form of Merger Endorsement – Filed previously with initial registration statement (333-288440) on July 1,</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927d4.htm)[<u>2025 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927d4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e)

Applications.

1)

[<u>Form of Annuity Application - Filed previously with Post-Effective Amendment No. 3 on April 28, 2017 (333-</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465917027445/a17-11058_1ex99d3b.htm)[<u>198590) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000110465917027445/a17-11058_1ex99d3b.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f)

Depositor's Certificates of Incorporation and By-Laws.

1)

[<u>Amended Articles of Incorporation for Nationwide Life Insurance Company. Filed previously with initial</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6a.htm)[<u>registration statement (333-164125) on January 4, 2010 as document "exhibit6a.htm" and hereby</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6a.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6a.htm)

2)

[<u>Amended and Restated Code of Regulations of Nationwide Life Insurance Company. Filed previously with</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6b.htm)[<u>initial registration statement (333-164125) on January 4, 2010 as document "exhibit6b.htm" and hereby</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6b.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6b.htm)

3)

[<u>Plan and Agreement of Merger of Jefferson National Life Insurance Company of New York with and into</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927f3.htm)[<u>Nationwide Life Insurance Company effective July 1, 2025 – Filed previously with initial registration</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927f3.htm)[<u>statement (333-288440) on July 1, 2025 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927f3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g)

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h)

Participation Agreements.

Unless indicated as attached hereto, the following participation agreements were previously filed and are hereby incorporated by reference.

------

1)

[<u>Fund Participation Agreement with Advisors Preferred Trust and Ceros Financial Services, Inc., dated June</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312521207358/d184214dex9930h.htm)[<u>17, 2021 with registration statement under 333-253123, pre-effective amendment 1 filed on July 2, 2021 as</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312521207358/d184214dex9930h.htm)[<u>document d184214dex9930h.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312521207358/d184214dex9930h.htm)

2)

[<u>Fund Participation Agreement with Fred Alger Management, Inc., Fred Alger & Company, Incorporated</u>](https://www.sec.gov/Archives/edgar/data/740269/000119090311000372/algeramericanpfa.htm)[<u>dated October 1, 2004 with the registration statement under 333-164118, post-effective amendment number</u>](https://www.sec.gov/Archives/edgar/data/740269/000119090311000372/algeramericanpfa.htm)[<u>3 filed on April 26, 2011 as document algeramericanpfa.htm</u>](https://www.sec.gov/Archives/edgar/data/740269/000119090311000372/algeramericanpfa.htm)

3)

[<u>Fund Participation Agreement (Amended and Restated) with Alliance Capital Management L.P. and Alliance</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinfpa.htm)[<u>Bernstein Investment Research and Management, Inc. dated June 1, 2003 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinfpa.htm)[<u>under 333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinfpa.htm)[<u>alliancebernsteinfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinfpa.htm)

4)

[<u>Fund Participation Agreement with Wells Fargo Management, LLC, and Stephens, Inc., as amended, dated</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/wellsfargofpa.htm)[<u>November 15, 2004 with the registration statement under 333-137202, pre-effective amendment number 3</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/wellsfargofpa.htm)[<u>filed on September 27, 2007 as document wellsfargofpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/wellsfargofpa.htm)

5)

[<u>Fund Participation Agreement with ALPS Variable Investment Trust and ALPS Portfolio Solutions Distributor,</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99826.htm)[<u>Inc. dated October 10, 2013 with the registration statement under 333-135650, post-effective amendment</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99826.htm)[<u>number 12 filed on October 15, 2013 as document d612202dex99826.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99826.htm)

6)

[<u>Fund Participation Agreement with American Funds Insurance Series and Capital Research and</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/americanfundsfpa.htm)[<u>Management Company dated July 20, 2005 with the registration statement under 333-137202, pre-effective</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/americanfundsfpa.htm)[<u>amendment number 3 filed on September 27, 2007 as document americanfundsfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/americanfundsfpa.htm)

7)

[<u>Fund Participation Agreement with BlackRock (formerly FAM Distributors, Inc. and FAM Variable Series</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/blackrockfpa.htm)[<u>Funds, Inc.), as amended, dated April 13, 2004 with the registration statement under 333-137202, pre-</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/blackrockfpa.htm)[<u>effective amendment number 3 filed on September 27, 2007 as document blackrockfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/blackrockfpa.htm)

8)

[<u>Participation Agreement among Nationwide Financial Services, Inc., Calvert Variable Products, Inc., and</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h8.htm)[<u>Eaton Vance Distributors, Inc., as amended, dated January 1, 2017 the registration statement under 333-</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h8.htm)[<u>177439, post-effective amendment number 42 filed on April 25, 2024 as document d777109dex99h8.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h8.htm)Portions of this exhibit have been redacted.

9)

[<u>Fund Participation Agreement with Columbia Management Investment Advisers, LLC and Columbia</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312517122065/d324999dex9926h.htm)[<u>Management Investment Distributors, Inc. dated December 7, 2015 with the registration statement under</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312517122065/d324999dex9926h.htm)[<u>333-103095, post-effective amendment number 39 filed on April 13, 2017 as document columbiafpa.htm</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312517122065/d324999dex9926h.htm)

10)

[<u>Fund Participation Agreement with Credit Suisse Securities (U.S.A.), LLC, dated December 20, 2022 with</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927h10.htm)[<u>the initial registration statement under 333-288440 filed on July 1, 2025 as document</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927h10.htm)[<u>d138721dex9927h10.htm.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927h10.htm) Portions of this exhibit have been redacted.

11)

[<u>Fund Participation Agreement with Delaware Management Company and Delaware Distributors, L.P., as</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/delawarefpa.htm)[<u>amended, dated February 5, 2008 with the registration statement under 333-43671, post-effective</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/delawarefpa.htm)[<u>amendment number 43 filed on April 12, 2011 as document delawarefpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/delawarefpa.htm)

12)

[<u>Fund Participation Agreement with DFA Investment Dimensions Group Inc., Dimensional Fund Advisors LP;</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090312000470/dfafpa.htm)[<u>and DFS Securities LLC., dated February 8, 2012 with the registration statement under 333-149213, post-</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090312000470/dfafpa.htm)[<u>effective amendment number 7 filed on April 11, 2012 as document dfafpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090312000470/dfafpa.htm)

13)

[<u>Restated Administrative Services Agreement with The Dreyfus Corporation, as amended, and 12b-1 letter</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/dreyfusasa99i3.htm)[<u>agreement dated, as amended, dated June 1, 2003 with the registration statement under 333-140608, pre-</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/dreyfusasa99i3.htm)[<u>effective amendment number 1 filed on July 17, 2007 as document dreyfusasa99i3.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/dreyfusasa99i3.htm)

14)

[<u>Fund Participation Agreement with Eaton Vance Variable Trust and Eaton Vance Distributors, Inc. dated</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/eatonvancefpa.htm)[<u>March 24, 2011 with the registration statement under 333-43671, post-effective amendment number 43 filed</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/eatonvancefpa.htm)[<u>on April 12, 2011 as document eatonvancefpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/eatonvancefpa.htm)

15)

[<u>Fund Participation Agreement with Federated Insurance Series and Federated Securities Corp., as</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/fedfpa99h4.htm)[<u>amended, dated April 1, 2006 with the registration statement under 333-140608, pre-effective amendment</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/fedfpa99h4.htm)[<u>number 1 filed on July 17, 2007 as document fedfpa99h4.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/fedfpa99h4.htm)

16)

[<u>Fund Participation Agreement among (Fidelity) Variable Insurance Products Funds, Fidelity Distributors</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h14.htm)[<u>Company LLC, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company,</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h14.htm)

------

[<u>Jefferson National Life Insurance Company, and Jefferson National Life Insurance Company of New York</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h14.htm)[<u>dated October 11, 2023 with the registration statement under 333-177439, post-effective amendment</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h14.htm)[<u>number 42 filed on April 25, 2024 as document d777109dex99h14.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99h14.htm)

17)

[<u>Fund Participation Agreement with FEF Distributors, LLC, dated November 1, 2018 with the registration</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519110467/d705546dex9924b838.htm)[<u>statement under 333-227783, post-effective amendment number 1 filed on April 18, 2019 as document</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519110467/d705546dex9924b838.htm)[<u>d705546dex9924b838.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519110467/d705546dex9924b838.htm)

18)

[<u>Amended and Restated Fund Participation Agreement with Franklin Templeton Variable Insurance Products</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankfpa99h8.htm)[<u>Trust and Franklin/Templeton Distributors, Inc., as amended, dated May 1, 2003 with the registration</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankfpa99h8.htm)[<u>statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankfpa99h8.htm)[<u>frankfpa99h8.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankfpa99h8.htm)

19)

[<u>Fund Participation Agreement with Oppenheimer Variable Account Funds and Oppenheimer Funds, Inc.</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/oppenfpa99h14.htm)[<u>dated April 13, 2007 with the registration statement under 333-140608, pre-effective amendment number 1</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/oppenfpa99h14.htm)[<u>filed on July 17, 2007 as document oppenfpa99h14.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/oppenfpa99h14.htm)

20)

[<u>Fund Participation Agreement, Service and Institutional Shares, with Janus Aspen Series dated December</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusfpa99h9a.htm)[<u>31, 1999 with the registration statement under 333-140608, pre-effective amendment number 1 filed on July</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusfpa99h9a.htm)[<u>17, 2007 as document janusfpa99h9a.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusfpa99h9a.htm)

21)

[<u>Fund Participation Agreement with John Hancock Distributors, LLC dated November 1, 2018 with the</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b816.htm)[<u>registration statement under 333-227783, pre-effective amendment number 1 filed on February 13, 2019 as</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b816.htm)[<u>document johnhancockfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b816.htm)

22)

[<u>Fund Participation Agreement with Lazard Retirement Series, Inc., and Lazard Asset Management</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/lazardfpa.htm)[<u>Securities LLC dated April 13, 2009 with the registration statement under 333-43671, post-effective</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/lazardfpa.htm)[<u>amendment number 43 filed on April 12, 2011 as document lazardfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/lazardfpa.htm)

23)

[<u>Fund Participation Agreement with Legg Mason Investor Services, LLC (formerly, Salomon Brothers</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/leggmasonfpa.htm)[<u>Variable Series Funds Inc., Salomon Brothers Asset Management Inc.), as amended dated September</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/leggmasonfpa.htm)[<u>1999 with the registration statement 333-137202, pre-effective amendment number 3 filed on September</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/leggmasonfpa.htm)[<u>27, 2007 as document leggmasonfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/leggmasonfpa.htm)

24)

[<u>Fund Participation Agreement with Lincoln Variable Insurance Products Trust, Lincoln Financial Distributors,</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lincolnfpa.htm)[<u>Inc., and Lincoln Investment Advisors Corporation. dated June 5, 2007 with the registration statement under</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lincolnfpa.htm)[<u>333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document lincolnfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lincolnfpa.htm)

25)

[<u>Fund Participation Agreement with Lord Abbett Series Fund, Inc. and Lord Abbett Distributor LLC, as</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lordabbettfpa.htm)[<u>amended, dated December 31, 2002 with the registration statement under 333-137202, pre-effective</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lordabbettfpa.htm)[<u>amendment number 3 filed on September 27, 2007 as document lordabbettfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/lordabbettfpa.htm)

26)

[<u>Fund Participation Agreement with MainStay VP Funds Trust and New York Life Investment Management</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312516540962/d149778dex9924b31.htm)[<u>LLC dated May 1, 2016 with the registration statement 333-201820, post-effective amendment number 1</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312516540962/d149778dex9924b31.htm)[<u>filed on April 14, 2016 as document mainstayfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312516540962/d149778dex9924b31.htm)

27)

[<u>Participation Agreement Among MFS Variable Insurance Trust, MFS Variable Insurance Trust II, Nationwide</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b24.htm)[<u>Financial Services, Inc., and MFS Fund Distributors, Inc., dated May 2, 2011 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b24.htm)[<u>under 333-227783, post-effective amendment number 3 filed on September 9, 2019 as document</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b24.htm)[<u>d737458dex9924b24.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b24.htm)

28)

[<u>Fund Participation Agreement with The Merger Fund VL and Westchester Capital Management, LLC dated</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99827.htm)[<u>October 11, 2013 with the registration statement under 333-135650, post-effective amendment number 12</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99827.htm)[<u>filed on October 15, 2013 as document d612202dex99827.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119312513399825/d612202dex99827.htm)

29)

[<u>Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly, Gartmore Variable</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12b.htm)[<u>Insurance Trust), American Funds Insurance Series, and Capital Research and Management Company</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12b.htm)[<u>dated May 1, 2007 with the registration statement under 333-140608, pre-effective amendment number 1</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12b.htm)[<u>filed on July 17, 2007 as document nwfpa99h12b.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12b.htm)

30)

[<u>Fund Participation Agreement with Neuberger Berman Management Inc. dated January 1, 2006 with the</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/neuberfpa99h13.htm)[<u>registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/neuberfpa99h13.htm)[<u>document neuberfpa99h13.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/neuberfpa99h13.htm)

------

31)

[<u>Fund Participation Agreement with New Age Alpha Advisors, LLC. dated October 28, 2024 with the</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312524232056/d895101dex99h23.htm)[<u>registration statement under 333-253123, post-effective amendment number 4 filed on October 3, 2024 as</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312524232056/d895101dex99h23.htm)[<u>document d895101dex99h23.html</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312524232056/d895101dex99h23.htm). Portions of this exhibit have been redacted.

32)

[<u>Fund Participation Agreement with Northern Lights Variable Trust and Northern Lights Distributors, LLC</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090312000932/northernlightsfpa.htm)[<u>dated February 8, 2012 with the registration statement under 333-62692, post-effective amendment number</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090312000932/northernlightsfpa.htm)[<u>28 filed on June 11, 2012 as document northernlightsfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090312000932/northernlightsfpa.htm)

33)

[<u>Fund Participation Agreement with PIMCO Variable Insurance Trust and PIMCO Funds Distributors, LLC, as</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcofpa.htm)[<u>amended, dated March 28, 2002 with the registration statement under 333-137202, pre-effective</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcofpa.htm)[<u>amendment number 3 filed on September 27, 2007 as document pimcofpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcofpa.htm)

34)

[<u>Fund Participation Agreement with ProFunds Distributors, Inc. dated January 10, 2010 with the registration</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090311000330/profundfpa.htm)[<u>statement under 333-62692, post-effective amendment number 26 filed on April 19, 2011 as document</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090311000330/profundfpa.htm)[<u>profundfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090311000330/profundfpa.htm)

35)

[<u>Fund Participation Agreement with Putnam Variable Trust and Putnam Retail Management, L.P. dated</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamfpa.htm)[<u>February 1, 2002 with the registration statement under 333-137202, pre-effective amendment number 3</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamfpa.htm)[<u>filed on September 27, 2007 as document putnamfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamfpa.htm)

36)

[<u>Fund Participation Agreement with Royce & Associates, as amended dated February 14, 2002 with the</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/roycefpa.htm)[<u>registration statement under 333-137202, pre-effective amendment number 3 filed on September 27, 2007</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/roycefpa.htm)[<u>as document roycefpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/roycefpa.htm)

37)

[<u>Fund Participation Agreement with Rydex Variable Trust & Rydex Distributors, Inc. dated September 10,</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090308000146/rydexfundpartagreement.htm)[<u>2001 with the registration statement under 333-62692, post-effective amendment number 20 filed on April</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090308000146/rydexfundpartagreement.htm)[<u>18, 2008 as document rydexfundpartagreement.htm</u>](https://www.sec.gov/Archives/edgar/data/843075/000119090308000146/rydexfundpartagreement.htm)

38)

[<u>Fund Participation Agreement with T. Rowe Price Equity Series, Inc., T. Rowe Price International Series,</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/trowefpa99h15.htm)[<u>Inc., T. Rowe Price Fixed Income Series, Inc., and T. Rowe Price Investment Services, Inc., as amended,</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/trowefpa99h15.htm)[<u>dated October 1, 2002 with the registration statement under 333-140608, pre-effective amendment number</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/trowefpa99h15.htm)[<u>1 filed on July 17, 2007 as document trowefpa99h15.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/trowefpa99h15.htm)

39)

[<u>Fund Participation Agreement among Nationwide Financial Services, Inc., Third Avenue Variable Series</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312524111670/d796082dex99h19.htm)[<u>Trust, and Third Avenue Management LLC dated May 12, 2023 – Filed previously with Post-Effective</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312524111670/d796082dex99h19.htm)[<u>Amendment No. 32 (333-124048) on April 25, 2024 and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1005336/000119312524111670/d796082dex99h19.htm) Portions of this exhibit have been redacted.

40)

[<u>Fund Participation Agreement with Van Eck Investment Trust, Van Eck Associates Corporation, and Van</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckfpa.htm)[<u>Eck Securities Corporation, as amended, dated September 1, 1989 with the registration statement under</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckfpa.htm)[<u>333-137202, pre-effective amendment number 3 filed on September 27, 2007 as document vaneckfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckfpa.htm)

41)

[<u>Fund Participation Agreement with Vanguard Variable Insurance Fund, The Vanguard Group, Inc.,</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)[<u>Vanguard Marketing Corporation. dated February 28, 2008 with the registration statement under 333-43671,</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)[<u>post-effective amendment number 43 filed on April 12, 2011 as document vanguardfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)

42)

[<u>Fund Participation Agreement with The Victory Variable Insurance Funds, Key Asset Management Inc., and</u>](https://www.sec.gov/Archives/edgar/data/356514/000119090311000343/victoryfpa.htm)[<u>BISYS Fund Services dated June 30, 1999 with the registration statement under 333-103094, post-effective</u>](https://www.sec.gov/Archives/edgar/data/356514/000119090311000343/victoryfpa.htm)[<u>amendment number 30 filed on April 20, 2011 as document victoryfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/356514/000119090311000343/victoryfpa.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i)

Not applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j)

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k)

[<u>Opinion and Consent of Counsel – Filed previously with the initial registration (333-288440) on July 1, 2025 and</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927k.htm)[<u>hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927k.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l)

[Consent of Independent Registered Public Accounting Firm – Attached hereto.](d45812dex99l.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m)

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n)

Not Applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o)

[<u>Form of Initial Summary Prospectus – Filed previously with the initial registration (333-288440) on July 1, 2025</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927o.htm)[<u>and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1618629/000119312525152948/d138721dex9927o.htm)

------

99)

[Power of Attorney – Attached hereto.](d45812dex9999.htm)

**Item 28. Directors and Officers of the Depositor**

The business address of the Directors and Officers of the Depositor is: <br>One Nationwide Plaza, Columbus, Ohio 43215

---

| | |
|:---|:---|
| President and Chief Operating Officer and Director | Hawley, Craig A.  |
| Executive Vice President-Chief Marketing Officer | Bair, Ann S.  |
| Executive Vice President-Chief Human Resources Officer | Clements, Vinita J.  |
| Executive Vice President-Nationwide Chief Technology Officer | Fowler, James R.  |
| Executive Vice President and Director | Frommeyer, Timothy G.  |
| Executive Vice President-Chief Legal Officer | Howard, Mark S. |
| Executive Vice President-Chief Customer, Strategy & Innovation Officer | Mahaffey, Michael W. |
| Senior Vice President-NF Strategic Customer Solutions | Ambrozy, Tina S.  |
| Senior Vice President-Strategic Planning | Amodeo, Daniel W. |
| Senior Vice President-Investment Management Group | Aniano, Joseph N. |
| Senior Vice President-Corporate Controller and Chief Accounting Officer | Benson, James D.  |
| Senior Vice President-Chief Economist | Bostjancic, Kathleen |
| Senior Vice President-P&C Legal | Boyer, John N. |
| Senior Vice President-Human Resources Business Partner | Bretz, Angela D.  |
| Senior Vice President-Internal Audit | Burchwell, Jason E. |
| Senior Vice President-Nationwide Pet | Carnes, Joel R.M. |
| Senior Vice President-Chief Technology Officer - Nationwide Financial | Carrel, Michael W. |
| Senior Vice President-Chief Investment Officer | Coleman, Joel L.  |
| Senior Vice President-Chief Compliance Officer | Dankovic, Rae Ann  |
| Senior Vice President-Chief Risk Officer | Diem, Klaus K. |
| Senior Vice President-External Affairs | English, Steven M. |
| Senior Vice President-Trial Division | Failor, Scott E. |
| Senior Vice President-Corporate Operations & Litigation Legal | Furniss, Natalie T. |
| Senior Vice President-Chief Financial Officer - Financial Services and Director | Ginnan, Steven A. |
| Senior Vice President-Chief Financial Officer - Property & Casualty | Guerrero, Oscar |
| Senior Vice President-Annuity Distribution | Guymon, Rona |
| Senior Vice President-Human Resources Business Partner | Hairston, Mia S. |
| Senior Vice President-Operations - E&S/Specialty and Commercial | Henderson, Clayton R. |
| Senior Vice President-Underwriting Performance - E&S/Specialty and <br> Commercial<br>| Hespe, Julie |
| Senior Vice President-Legal - NF | Innis-Thompson, Janice |
| Senior Vice President-Management Liability & Specialty - E&S/Specialty | Iorio, Thomas A. |
| Senior Vice President-Marketing - Enterprise Brand Strategy & Activation | Jackson, Richard W. |
| Senior Vice President-PL Product and Underwriting | Jacobs, Sarah E. |
| Senior Vice President-Retirement Solutions | Jestice, Kevin T.  |
| Senior Vice President-E&S/Specialty and Commercial Lines | Johnston, Russell M. |
| Senior Vice President-Chief Innovation and Digital Officer | Kandhari, Chetan D.  |
| Senior Vice President-Property & Casualty Commercial Lines | Kempton, Casey E. |
| Senior Vice President-Chief Technology Officer - Technology Strategy, Data & <br> Innovation<br>| Kolp, Melanie A. |
| Senior Vice President-Nationwide Annuity and Director | Kotecha, Kush V. |
| Senior Vice President-Chief Technology Officer - Corporate Technology | Kuamoo, Misty C. |
| Senior Vice President-Business Performance - Property & Casualty | Kyung, Jennifer |
| Senior Vice President-Nationwide Agribusiness | Liggett, Brad R. |
| Senior Vice President-Programs & Alternative Risk - E&S/Specialty | Lopes, John S. |
| Senior Vice President-Culture & Talent Acquisition | Lucas, Giavonni |
| Senior Vice President-Chief Information Security Officer | Lukens, Todd |
| Senior Vice President-Marketing Management - P&C | MacKenzie, Jennifer B. |
| Senior Vice President-Group Benefits | Murray, Lindsey E. |
| Senior Vice President-Contract & Brokerage Underwriting - E&S/Specialty | Nelson, David N. |

---

------

---

| | |
|:---|:---|
| Senior Vice President-Corporate Development and Finance | O'Brien, Kevin G.  |
| Senior Vice President-Corporate Solutions | Perez, J.J. |
| Senior Vice President-Talent & Organization Effectiveness | Pheister, Erin R. |
| Senior Vice President-Agribusiness Distribution and Underwriting | Pollitt, Dirk |
| Senior Vice President-Retirement Solutions Sales | Porter, Richard |
| Senior Vice President-Marketing Management - Financial Services | Rodriguez, Kristi L. |
| Senior Vice President-Personal Lines Operations | Rommel, Jeff M. |
| Senior Vice President-Chief Customer Officer | Samuel, Michelle |
| Senior Vice President-Finance, Strategy & Governance Legal & Corporate <br> Secretary<br>| Skingle, Denise L. |
| Senior Vice President-Nationwide Life and Director | Snyder, Holly R.  |
| Senior Vice President-Total Rewards | Sonneman, Christopher P. |
| Senior Vice President-Commercial Lines - Middle Market | Talkowski, Kristina M. |
| Senior Vice President-Personal Lines Sales & Distribution | Tripp, Michael N. |
| Senior Vice President-Chief Technology Officer - Property & Casualty | Vasudeva, Guruprasad C.  |
| Senior Vice President-E-Risk Services - E&S/Specialty | Walsh, James |
| Senior Vice President-Programs - E&S/Specialty | Wayne, Amber M. |
| Senior Vice President-Human Resources Business Partner | Webster, Cynthia S. |
| Senior Vice President-Commercial Lines - Small Market | Williams, George M. |
| Director | Walker, Kirt A. |

---

**Item 29. Persons Controlled by or Under Common Control with the Depositor or Registrant.**

Following is a list of entities directly or indirectly controlled by or under common control with the depositor or registrant. Ownership is indicated through indentation. Unless otherwise indicated, each subsidiary is either wholly-owned or majority-owned by the parent company immediately preceding it. (For example, Nationwide Fund Distributors, LLC is either wholly-owned or majority owned by NFS Distributors, Inc.) Separate accounts that have been established pursuant to board resolution but are not, and have never been, active are omitted.

---

| | | |
|:---|:---|:---|
| **Company** | &nbsp;&nbsp; **Jurisdiction**<br> **of Domicile**<br>| **Brief Description of Business** |
| Nationwide Financial Services, Inc. | Delaware | &nbsp;&nbsp; The company acts primarily as a holding company for <br> companies within the Nationwide organization that offer <br> or distribute life insurance, long-term savings and <br> retirement products.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NFS Distributors, Inc. | Delaware | &nbsp;&nbsp; The company acts primarily as a holding company for <br> Nationwide Financial Services, Inc. companies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Financial General Agency, Inc. | Pennsylvania | The company is a multi-state licensed insurance agency. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Fund Distributors, LLC | Delaware | The company is a limited purpose broker-dealer. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Fund Management, LLC | Delaware | &nbsp;&nbsp; The company provides administration, transfer and <br> dividend disbursing agent services to various mutual <br> fund entities. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Retirement Solutions, Inc. | Delaware | &nbsp;&nbsp; The company markets and administers deferred <br> compensation plans for public employees.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Securities, LLC | Delaware | &nbsp;&nbsp; The company is a general purpose broker-dealer and <br> investment adviser registered with the Securities and <br> Exchange Commission.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Trust Company, FSB | Federal | &nbsp;&nbsp; This is a federal savings bank chartered by the Office of <br> Thrift Supervision in the United States Department of <br> Treasury to exercise deposit, lending, agency, custody <br> and fiduciary powers and to engage in activities <br> permissible for federal savings banks under the Home <br> Owners' Loan Act of 1933.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Financial Services Capital Trust | Delaware | &nbsp;&nbsp; The trust's sole purpose is to issue and sell certain <br> securities representing individual beneficial interests in <br> the assets of the trust<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 525 Cleveland Avenue, LLC | Ohio | &nbsp;&nbsp; This is a limited liability company organized under the <br> laws of the State of Ohio. The company was formed to <br> provide remedial real property cleanup prior to sale.<br>|

---

------

---

| | | |
|:---|:---|:---|
| **Company** | &nbsp;&nbsp; **Jurisdiction**<br> **of Domicile**<br>| **Brief Description of Business** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Life Insurance Company <sup>2</sup> <br>| Ohio | &nbsp;&nbsp; The corporation provides individual life insurance, group <br> and health insurance, fixed and variable annuity products <br> and other life insurance products.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jefferson National Life Insurance Company<sup>2,3</sup> <br>| Texas | The company provides life, health and annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jefferson National Life Annuity Company C<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jefferson National Life Annuity Account E<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jefferson National Life Annuity Account F<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jefferson National Life Annuity Account G<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Jefferson National VA Separate <br> Account 1<sup>2,3</sup> <br>| New York | A separate account issuing variable annuity products. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MFS Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Multi-Flex Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-II<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-3<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-4<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-5<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-6<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-7<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-8<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-9<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-10<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-11<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-12<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-13<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-14<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Variable Account-15<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Provident VA Separate Account 1<sup>2,3</sup> <br>| Pennsylvania | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-2<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-3<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-4<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-5<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-6<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VLI Separate Account-7<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Provident VLI Separate Account 1<sup>2,3</sup> <br>| Pennsylvania | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Investment Services Corporation<sup>3</sup> <br>| Oklahoma | &nbsp;&nbsp; This is a limited purpose broker-dealer and distributor of <br> variable annuities and variable life products for <br> Nationwide Life Insurance Company and Nationwide Life <br> and Annuity Insurance Company. The company also <br> provides educational services to retirement plan <br> sponsors and its participants. <br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Financial Assignment Company<sup>3</sup> <br>| Ohio | &nbsp;&nbsp; The company is an administrator of structured <br> settlements.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Investment Advisors, LLC<sup>3</sup> <br>| Ohio | The company provides investment advisory services. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Eagle Captive Reinsurance, LLC<sup>3</sup> <br>| Ohio | The company is engaged in the business of insurance |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Life and Annuity Insurance <br> Company<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; The company engages in underwriting life insurance and <br> granting, purchasing and disposing of annuities.<br>|

---

------

---

| | | |
|:---|:---|:---|
| **Company** | &nbsp;&nbsp; **Jurisdiction**<br> **of Domicile**<br>| **Brief Description of Business** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VA Separate Account-A<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VA Separate Account-B<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VA Separate Account-C<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VA Separate Account-D<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Provident VA Separate Account <br> A<sup>2,3</sup> <br>| Delaware | A separate account issuing variable annuity contracts. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VL Separate Account-C<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VL Separate Account-D<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide VL Separate Account-G<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Provident VLI Separate <br> Account A<sup>2,3</sup> <br>| Delaware | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Olentangy Reinsurance, LLC<sup>3</sup> <br>| Vermont | The company is a captive life reinsurance company. |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide SBL, LLC | Ohio | &nbsp;&nbsp; The company is a lender offering securities-back lines of <br> credit.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Life and Benefits Insurance <br> Company (formerly, Direct General Life <br> Insurance Company)<br>| South Carolina | &nbsp;&nbsp; The company is a South Carolina stock life insurance <br> company that previously offered a life product only, but is <br> filing stop loss products in majority of states and a fully <br> insured small group health product in a limited number of <br> states.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NSM Sales Corporation | Nevada | &nbsp;&nbsp; The company is a sales and distribution organization for <br> group health product and ancillary third-party products.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; The Association Benefits Solution, LLC | Delaware | &nbsp;&nbsp; The company is a program manager for self-funded <br> group health program where it coordinates and manages <br> offerings to employers looking for an "off the shelf" <br> solution to self-fund employee health plans.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Registered Investment Advisors Services, Inc. | Texas | &nbsp;&nbsp; The company is a technology company that facilitates <br> third-party money management services for registered <br> investment advisors.<br>|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Nationwide Fund Advisors<sup>4</sup> <br>| Delaware | The trust acts as a registered investment advisor. |

---

<sup>1</sup>

This subsidiary/entity is controlled by its immediate parent through contractual association.

<sup>2</sup>

This subsidiary/entity files separate financial statements.

<sup>3</sup>

Information for this subsidiary/entity is included in the consolidated financial statements of its immediate parent.

<sup>4</sup>

This subsidiary/entity is a business trust.

**Item 30. Indemnification**

Provision is made in Nationwide's Amended and Restated Code of Regulations and expressly authorized by the General Corporation Law of the State of Ohio, for indemnification by Nationwide of any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative by reason of the fact that such person is or was a director, officer or employee of Nationwide, against expenses, including attorneys fees, judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceeding, to the extent and under the circumstances permitted by the General Corporation Law of the State of Ohio.

Insofar as indemnification for liabilities arising under the Securities Act of 1933 ("Act") may be permitted to directors, officers or persons controlling Nationwide pursuant to the foregoing provisions, Nationwide has been informed that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

------

**Item 31. Principal Underwriter**

**Nationwide Investment Services Corporation ("NISC")**

a)

NISC serves as principal underwriter and general distributor for the following separate investment accounts of Nationwide or its affiliates:

---

| | |
|:---|:---|
| Jefferson National Life Annuity Account C | Nationwide Variable Account-14 |
| Jefferson National Life Annuity Account E | Nationwide Variable Account-15 |
| Jefferson National Life Annuity Account F | Nationwide VA Separate Account-A |
| Jefferson National Life Annuity Account G | Nationwide VA Separate Account-B |
| Nationwide Jefferson National VA Separate Account 1 | Nationwide VA Separate Account-C |
| MFS Variable Account | Nationwide VA Separate Account-D |
| Multi-Flex Variable Account | Nationwide VLI Separate Account |
| Nationwide Variable Account | Nationwide VLI Separate Account-2 |
| Nationwide Variable Account-II | Nationwide VLI Separate Account-3 |
| Nationwide Variable Account-3 | Nationwide VLI Separate Account-4 |
| Nationwide Variable Account-4 | Nationwide VLI Separate Account-5 |
| Nationwide Variable Account-5 | Nationwide VLI Separate Account-6 |
| Nationwide Variable Account-6 | Nationwide VLI Separate Account-7 |
| Nationwide Variable Account-7 | Nationwide VL Separate Account-C |
| Nationwide Variable Account-8 | Nationwide VL Separate Account-D |
| Nationwide Variable Account-9 | Nationwide VL Separate Account-G |
| Nationwide Variable Account-10 | Nationwide Provident VA Separate Account 1 |
| Nationwide Variable Account-11 | Nationwide Provident VA Separate Account A |
| Nationwide Variable Account-12 | Nationwide Provident VLI Separate Account 1 |
| Nationwide Variable Account-13 | Nationwide Provident VLI Separate Account A |

---

b)

Directors and Officers of NISC:

---

| | |
|:---|:---|
| President and Director | Perez, J.J. |
| Senior Vice President and Secretary | Skingle, Denise L. |
| Vice President and Assistant Secretary | Garman, David A.  |
| Vice President-Chief Compliance Officer | Rabenstine, James J. |
| Vice President-Chief Tax Officer | Scheiderer, Kevin P. |
| Vice President-CFO - Life Insurance | Wild, Keith D. |
| Associate Vice President-NF Compliance - Strategic Customer Solutions | Deleget, J. Brian |
| Associate Vice President and Assistant Treasurer | Hacker, Hope C.  |
| Associate Vice President and Assistant Treasurer | Radabaugh, Nathan |
| Associate Vice President and Treasurer | Roswell, Ewan T. |
| Associate Vice President and Assistant Treasurer | Walker, Tonya G. |
| Assistant Secretary | Bowman, Heidi K. |
| Assistant Secretary | Dokko, David H. |
| Assistant Secretary | Hartman, Mark E. |
| Director | Jestice, Kevin T. |
| Director | Kotecha, Kush V. |

---

The business address of the Directors and Officers of NISC is: <br>One Nationwide Plaza, Columbus, Ohio 43215.

c)

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Name of Principal Underwriter** | **Net Underwriting**<br> **Discounts**<br>| **Compensation on**<br> **Redemption**<br>| **Brokerage**<br> **Commissions**<br>| **Other**<br> **Compensation**<br>|
| Nationwide Investment Services Corporation | N/A | N/A | N/A | N/A |

---

------

**Item 32. Location of Accounts and Records**

Steven A. Ginnan <br>Nationwide Life Insurance Company <br>One Nationwide Plaza <br>Columbus, OH 43215

**Item 33. Management Services**

Not Applicable

**Item 34. Fee Representation**

Nationwide Life Insurance Company represents that the fees and charges deducted under the contract in the aggregate are reasonable in relation to the services rendered, the expenses expected to be incurred and risks assumed by Nationwide Life Insurance Company.

------

**SIGNATURES**

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Columbus, and State of Ohio, on December 10, 2025.

---

| |
|:---|
| **Nationwide Jefferson National VA Separate Account** <br> **1**<br>|
| (Registrant) |
| By: /s/ Craig A. Hawley\* |
| Craig A. Hawley<br> President and Chief Operating Officer<br>|
| **Nationwide Life Insurance Company** |
| (Depositor) |
| By: /s/ Craig A. Hawley\* |
| Craig A. Hawley<br> President and Chief Operating Officer<br>|

---

Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities indicated, on December 10, 2025.

---

| | |
|:---|:---|
| /s/ CRAIG A. HAWLEY\* |  |
| Craig A. Hawley, President and Chief Operating Officer <br> and Director (Principal Executive Officer)<br>|  |
| /s/ KUSH V. KOTECHA\* |  |
| Kush V. Kotecha, Senior Vice President-Nationwide <br> Annuity and Director<br>|  |
| /s/ HOLLY R. SNYDER\* |  |
| Holly R. Snyder, Senior Vice President-Nationwide Life <br> and Director<br>|  |
| /s/ TIMOTHY G. FROMMEYER\* |  |
| Timothy G. Frommeyer, Executive Vice President and <br> Director<br>|  |
| /s/ STEVEN A. GINNAN\* |  |
| Steven A. Ginnan, Senior Vice President-Chief Financial <br> Officer – Financial Services and Director<br> (Chief Financial Officer)<br>|  |
| /s/ KIRT A. WALKER\* |  |
| Kirt A. Walker, Director |  |
| /s/ JAMES D. BENSON\* |  |
| James D. Benson, Senior Vice President-Corporate <br> Controller and Chief Accounting Officer<br> (Principal Accounting Officer)<br>|  |
|  | \*By: /s/ Jamie Ruff Casto |
|  | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Jamie Ruff Casto<br> Attorney-in-Fact<br> Pursuant to Power of Attorney<br>|

---

------

## Ex-99.(D)(1)

---

| | |
|:---|:---|
|  ![LOGO](g45812dsp001a.jpg)  | **NATIONWIDE LIFE INSURANCE COMPANY**<br> **[ONE NATIONWIDE PLAZA**<br> **COLUMBUS, OHIO 43215]**<br> **[1-800-848-6331] (For any inquiries)**<br> **[www.nationwideadvisory.com]** |

---

Nationwide Life Insurance Company (the "Company") agrees with the Owner to provide benefits to the Owner, subject to the provisions set forth in this Contract and in consideration of the Purchase Payment(s) received from the Owner.

**<u>RIGHT TO EXAMINE CONTRACT</u>**

**WITHIN 10 DAYS OF THE DATE OF RECEIPT OF THIS CONTRACT, OR 60 DAYS IF A REPLACEMENT CONTRACT, OF THE DATE OF RECEIPT OF THIS CONTRACT BY THE OWNER, IT MAY BE RETURNED BY DELIVERING OR MAILING IT TO THE COMPANY AT ITS ADMINISTRATIVE OFFICE OR TO THE REGISTERED REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED. WHEN THE CONTRACT IS SURRENDERED TO THE COMPANY, IT WILL BE VOIDED AS IF IT HAD NEVER BEEN IN FORCE. THE COMPANY WILL REFUND THE CONTRACT VALUE COMPUTED AS OF THE BUSINESS DAY THE CONTRACT IS SURRENDERED. THIS REFUND AMOUNT WILL BE THE CONTRACT VALUE PLUS THE AMOUNT OF FEES AND OTHER CHARGES DEDUCTED FROM GROSS CONSIDERATION OR IMPOSED UNDER THE CONTRACT, IF APPLICABLE. THE REFUND WILL BE ISSUED WITHIN 10 DAYS OF SURRENDER. THE COMPANY RESERVES THE RIGHT TO ALLOCATE INITIAL NET PURCHASE PAYMENTS TO THE MONEY MARKET SUB-ACCOUNT UNTIL THE EXPIRATION OF THE RIGHT TO EXAMINE PERIOD.** 

**THIS IS A LEGAL CONTRACT BETWEEN THE OWNER AND THE COMPANY** 

**READ YOUR CONTRACT CAREFULLY**![LOGO](g45812dsp001d.jpg)

**Individual Modified Single Purchase Payment Variable Deferred Annuity Contract,** 

**Non-Participating** 

**INCOME PAYMENTS, WITHDRAWAL VALUES AND THE DEATH BENEFITS PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNTS AND WILL INCREASE OR DECREASE IN VALUE BASED UPON INVESTMENT RESULTS.** 

VACC-0125NYCV 1 ([12/2025])

------

 **TABLE OF CONTENTS**<br>

---

| | |
|:---|:---|
|  **CONTRACT SCHEDULE** | **4** |
|  **DEFINITIONS** | **6** |
|  **PURCHASE PAYMENT PROVISIONS** | **7** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; PURCHASE PAYMENT(S) | **7** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ALLOCATION OF PURCHASE PAYMENTS | **7** |
|  **SEPARATE ACCOUNT PROVISIONS** | **7** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; THE SEPARATE ACCOUNT | **7** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; VARIABLE ACCOUNT | **8** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; VALUATION OF ASSETS | **8** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ACCUMULATION UNITS | **8** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ACCUMULATION UNIT VALUE | **8** |
|  **CONTRACT VALUE** | **8** |
|  **SUBSCRIPTION FEE** | **9** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEDUCTION FOR SUBSCRIPTION FEE | **9** |
|  **LOW COST FUND PLATFORM FEE** | **9** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEDUCTION FOR LOW COST PLATFORM FEE | **9** |
|  **TRANSFERS** | **9** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; TRANSFERS DURING THE ACCUMULATION PERIOD | **9** |
|  **WITHDRAWAL PROVISIONS** | **9** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; WITHDRAWALS | **9** |
|  **PROCEEDS PAYABLE ON DEATH** | **10** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEATH OF OWNER DURING THE ACCUMULATION PERIOD | **10** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEATH BENEFIT AMOUNT DURING THE ACCUMULATION PERIOD | **10** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEATH BENEFIT OPTIONS DURING THE ACCUMULATION PERIOD | **10** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEATH OF OWNER DURING THE ANNUITY PERIOD | **10** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; DEATH OF ANNUITANT | **11** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; PAYMENT OF DEATH BENEFIT | **11** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; BENEFICIARY | **11** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; CHANGE OF BENEFICIARY | **11** |
|  **SUSPENSION OR DEFERRAL OF PAYMENTS PROVISION** | **11** |
|  **OWNER, ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS** | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OWNER | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; JOINT OWNER | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ANNUITANT | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ASSIGNMENT OF A CONTRACT | **12** |

---

VACC-0125NYCV 2 ([12/2025])

------

 **TABLE OF CONTENTS**<br>

---

| | |
|:---|:---|
|  **ANNUITY PROVISIONS** | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; GENERAL | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ANNUITY DATE | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; SELECTION OF AN ANNUITY OPTION | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS | **12** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ANNUITY OPTIONS | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OPTION 1. LIFETIME ONLY ANNUITY: | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OPTION 2. LIFETIME ANNUITY WITH GUARANTEED PERIODS | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OPTION 3. PAYMENT FOR A FIXED PERIOD: | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; OPTION 4. JOINT AND SURVIVOR ANNUITY | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ANNUITY | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MORTALITY TABLES | **13** |
|  **GENERAL PROVISIONS** | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; THE CONTRACT | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MISSTATEMENT OF AGE and/or SEX | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; INCONTESTABILITY | **13** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; MODIFICATION | **14** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; NON-PARTICIPATING | **14** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; EVIDENCE OF SURVIVAL | **14** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; PROOF OF AGE | **14** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; REPORTS | **14** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; REGULATORY REQUIREMENTS | **14** |
|  **ANNUITY OPTION TABLES** | **15-17** |

---

VACC-0125NYCV 3 ([12/2025])

------

**CONTRACT SCHEDULE** 

---

| | |
|:---|:---|
|  **OWNER:** | [John Doe] |
|  **CONTRACT ISSUE DATE:** | [1/1/2026] |
|  **JOINT OWNER:** | [Jane Doe] |
|  **ANNUITANT:** | [Jane Doe] |
|  **JOINT ANNUITANT:** | [Jane Doe] |
|  **ANNUITANT AGE:** | [35] |
|  **ANNUITANT GENDER:** | [Male/Female] |
|  **ANNUITY DATE:** | [1/1/2066] |
|  **CONTRACT NUMBER:** | [12345678] |

---

**PURCHASE PAYMENTS:** 

---

| | |
|:---|:---|
| MINIMUM INITIAL TOTAL PURCHASE PAYMENT: | $15000.00 |
| MAXIMUM TOTAL PURCHASE PAYMENT: | $10,000,000.00 without prior Company approval |

---

**ALLOCATION GUIDELINES:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. If the initial Purchase Payment and forms required to issue a Contract are in good order, the initial Purchase Payment
will be credited to the Contract within two (2) business days after receipt at the Administrative Office. Additional Purchase Payments, which must be specified at the time of application in accordance with the "Purchase Payment(s)"
section, will be credited to the Contract as of the Valuation Period when they are received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Allocation percentages must be in whole numbers.

**BENEFICIARY**: As designated by the Owner at the Contract Issue Date, unless subsequently changed.

**SUBSCRIPTION FEE:** 

The Subscription Fee is $20.00 and is deducted each month. The Subscription Fee will be deducted on a pro-rata basis first from the balance of any money market Sub-Account(s), and then pro-rata from the balance of any other Sub-Account(s). The applicable Subscription Fee is deducted at upon full surrender of the Contract. The Subscription Fee is waived, if on the day the Subscription Fee is levied, 100% of the Contract Value is invested in Sub-Accounts which are subject to the Low Cost Fund Platform Fee.

**LOW COST FUND PLATFORM FEE:** 

The Company imposes a Low Cost Fund Platform Fee of up to [35] basis points on Contract Value invested in certain Sub-Accounts. These Sub-Accounts invest in Eligible Funds that do not provide the Company or its affiliates with the amount of revenue it requires in order for it to meet its revenue targets. There is no obligation to invest in Portfolios that impose this fee.

The current Low Cost Fund Platform Fee is [0.35%]. This fee could decrease in the future, but will never increase to a fee greater than the fee at the time of issue, and will change no more frequently than semi-annually. You will be notified within 30 days of any change.

VACC-0125NYCV 4 ([12/2025])

------

**TRANSFERS:** 

NUMBER OF TRANSFERS PERMITTED: Subject to the Company's frequent trading rules outlined below, there are no limits on the number of transfers that can be made during the Accumulation Period; however, if, in the Company's opinion there is frequent trading occurring that is harming other Contract Owners, restrictions may be imposed on the number of transfers permitted.

Frequent Trading: In an effort to alleviate the lack of transparency inherent in omnibus accounts, the Company developed technology that permits each Portfolio to see, on a real time basis, the transfer requests that will impact that Portfolio when the Company places the omnibus account trade at the end of that Business Day. In addition, the Portfolios are also able to generate reports out of the same system that allow the Portfolio to look for trading patterns that may be harmful to the Portfolio. Essentially, this system attempts to provide each Portfolio with the data it needs to empower the Portfolio to enforce its active trading policies and procedures on a similar basis as if the Portfolio was being offered on a retail basis, as opposed to inside of a variable annuity. As stated above, the Company reserves the right to enforce any decision made by a Portfolio pursuant to its active trading policies and procedures, and to take any actions to delay or deny any pending transfer request, as well as blocking future trading within a Portfolio.

If a current or future transfer request is restricted or denied you will be notified.

TRANSFER FEE: There are no transfer fee restrictions. The Company reserves the right to impose any fees charged by an Eligible Fund.

MINIMUM AMOUNT TO BE TRANSFERRED: There is no minimum amount for transfers.

MINIMUM AMOUNT WHICH MUST REMAIN IN EACH ACCOUNT AFTER A TRANSFER: There is no minimum amount.

**WITHDRAWALS:** 

CONTINGENT DEFERRED SALES CHARGE: NONE

WITHDRAWAL CHARGE: NONE

MINIMUM PARTIAL WITHDRAWAL: There is no minimum amount.

MINIMUM CONTRACT VALUE WHICH MUST REMAIN IN CONTRACT AFTER A PARTIAL WITHDRAWAL: There is no minimum amount.

MINIMUM CONTRACT VALUE WHICH MUST REMAIN IN ANY SUB-ACCOUNT AFTER A PARTIAL WITHDRAWAL: There is no minimum amount.

**SEPARATE ACCOUNT:** 

Variable Account: Nationwide Jefferson National VA Separate Account 1

**RIDERS:** [IRA], [Roth IRA]

**ADMINISTRATIVE OFFICE:** 

Nationwide Life Insurance Company [P.O. Box 183000 Columbus, Ohio 43218] [1-800-667-0561]

**WEBSITE: [**www.nationwideadvisory.com]

**Jurisdiction of Issue:** New York

**Department of Insurance Phone Number:** [1-800-342-3736]

VACC-0125NYCV 5 ([12/2025])

------

**DEFINITIONS** 

**ACCOUNT(S):** One or more of the Sub-Accounts of the Variable Account.

**ACCUMULATION PERIOD:** The period prior to the Annuity Date.

**ACCUMULATION UNIT:** A unit of measure used to determine the value of an Owner's interest in a Sub-Account of the Variable Account during the Accumulation Period.

**ADJUSTED CONTRACT VALUE:** The Contract Value less any applicable Low Cost Fund Platform Fee. This amount is applied to the applicable Annuity Tables to determine Annuity Payments.

**AGE:** The age of any Owner or Annuitant on his/her last birthday. For Joint Owners, all provisions which are based on age are based on the Age of the Owner (not Joint Owner).

**ADMINISTRATIVE OFFICE:** The office indicated on the Contract Schedule of this Contract to which notices, requests and Purchase Payments must be sent. All sums payable to the Company under this Contract are payable at the Administrative Office or an address designated by the Company.

**ANNUITANT:** The natural person on whose life Annuity Payments are based. On or after the Annuity Date, the Annuitant shall also include any Joint Annuitant. In the event of Joint Annuitant's, both Annuitants' lives are used to determine Annuity Payments.

**ANNUITY DATE:** The date on which Annuity Payments begin. The Annuity Date must be at least 13 months after the Contract Issue Date, but in no event later than the Maximum Maturity Date.

**ANNUITY OPTIONS:** Options available for Annuity Payments.

**ANNUITY PAYMENTS:** The series of payments made to the Owner or any named payee after the Annuity Date under the Annuity Option selected.

**ANNUITY PERIOD:** The period of time beginning with the Annuity Date during which Annuity Payments are made.

**ANNUITY UNIT:** An accounting unit of measure used to calculate the amount of Annuity Payments.

**AUTHORIZED REQUEST:** A request, in a form satisfactory to the Company, which is received by the Administrative Office.

**BENEFICIARY:** The person(s) or entity(ies) who will receive the death benefit payable under this Contract.

**COMPANY:** Nationwide Life Insurance Company.

**CONTRACT ANNIVERSARY:** An anniversary of the Contract Issue Date.

**CONTRACT ISSUE DATE:** The later of the date on the Contract Schedule or the date the initial Purchase Payment is received.

**CONTRACT VALUE:** The dollar value as of any Valuation Period of all amounts in the Contract.

**CONTRACT WITHDRAWAL VALUE:** The Contract Value less any applicable Premium Tax, less any applicable Subscription Fee less any applicable Low Cost Fund Platform Fee.

**CONTRACT YEAR:** The first Contract Year is the annual period which begins on the Contract Issue Date. Subsequent Contract Years begin on each anniversary of the Contract Issue Date.

**ELIGIBLE FUND:** An investment entity that is made available for this Contract.

**FINANCIAL ADVISOR:** An investment adviser selected by an Owner to provide an Owner's asset allocation and investment advisory services.

VACC-0125NYCV 6 ([12/2025])

------

**FIXED ANNUITY:** A series of payments made during the Annuity Period which is guaranteed as to dollar amount by the Company.

**MAXIMUM MATURITY DATE:** The date on which the Annuitant (not Joint Annuitant) attains age 100.

**NET PURCHASE PAYMENT:** A Purchase Payment less any applicable Premium Tax.

**OWNER:** The person(s) who own(s) the Contract.

**PORTFOLIO:** A segment of an eligible fund which constitutes a separate and distinct class of shares.

**PREMIUM TAX:** Any premium taxes incurred to any governmental entity and assessed against Purchase Payments or Contract Value.

**PURCHASE PAYMENT:** A payment made by or for an Owner with respect to this Contract.

**REGISTERED REPRESENTATIVE:** A person who is licensed by the Financial Industry Regulatory Authority ("FINRA") to sell variable products and is sponsored by a FINRA member broker/dealer that is party to a selling group agreement with the Company.

**SUB-ACCOUNT:** Separate Account assets are divided into Sub-Accounts. Each Sub-Account will invest its assets in shares of a single Eligible Fund or a single Portfolio of an Eligible Fund.

**VALUATION DATE:** Each day on which the New York Stock Exchange ("NYSE") is open for business.

**VALUATION PERIOD:** The period of time beginning at the close of business of the NYSE (or applicable bond market) on each Valuation Date and ending at the close of business for the next succeeding Valuation Date.

**VARIABLE ACCOUNT:** A separate account designated on the Contract Schedule which provides investment options where the benefits are variable and are not guaranteed as to dollar amount.

**PURCHASE PAYMENT PROVISIONS** 

**PURCHASE PAYMENT(S):** The Contract is issued in consideration of the Purchase Payment(s) made by the Owner, subject to the Minimum Initial Total Purchase Payment and Maximum Total Purchase Payment shown on the Contract Schedule. Purchase Payments are accepted by the Company at its Administrative Office.

The Owner may satisfy the Minimum Initial Total Purchase Payment shown on the Contract Schedule through one or more additional Purchase Payments. Any additional Purchase Payments must be specified at the time of application and Company will only accept additional Purchase Payments made in connection with a Section 1035 exchange or transfer. The Company reserves the right to reject any additional Purchase Payments that are not received within six months of the Contract Issue Date. In no event will the Company accept additional Purchase Payments received on or after the first Contract Anniversary.

**ALLOCATION OF PURCHASE PAYMENTS:** Net Purchase Payments are allocated to one or more of the Sub-Accounts of the Variable Account in accordance with the selections made by the Owner, Registered Representative or Financial Advisor. The allocation of the initial Net Purchase Payment for an Owner is made in accordance with the selection made by the Owner, Registered Representative or Financial Advisor at the Contract Issue Date. Unless otherwise changed by the Owner, Registered Representative or Financial Advisor, additional Net Purchase Payments are allocated according to your future allocation. You may choose to invest future contributions in the money market Sub-Account, or according to your target allocation. The Company reserves the right to allocate initial Net Purchase Payments to the Money Market Sub-Account until the expiration of the Right to Examine period.

**SEPARATE ACCOUNT PROVISIONS** 

**THE SEPARATE ACCOUNT:** The Separate Account is designated on the Contract Schedule, Income, gains and losses, whether or not realized, from assets allocated to the Separate Account shall, in accordance with applicable agreements, be credited to or charged against such account without regard to other income, gains or losses of the insurer.

VACC-0125NYCV 7 ([12/2025])

------

**VARIABLE ACCOUNT:** The Company will maintain in the Variable Account assets with a value at least equal to the amount accumulated in accordance with the applicable agreements with respect to such Variable Account and the reserves for annuities in the course of payment that vary with investment experience of such Variable Account. The assets of the Variable Account equal to reserves and other liabilities will not be charged with liabilities arising out of any other business the Company may conduct.

The Variable Account assets are divided into Sub-Accounts. The assets of the Sub-Accounts are allocated to the Eligible Fund(s) and the Portfolio(s), if any, within an Eligible Fund. The Company may, from time to time, remove or add additional Eligible Fund(s) or Portfolio(s). The Owner, Registered Representative or Financial advisor may be permitted to transfer Contract Values or allocate Net Purchase Payments to the additional Sub-Account(s) within the Variable Account. However, the right to make such transfers or allocations is subject to limitations as set forth in this Contract below under Transfers during the Accumulation Period.

Should the shares of any such Eligible Fund(s) or any Portfolio(s) within an Eligible Fund become unavailable for investment by the Variable Account, or the Company's Board of Directors deems further investment in these shares inappropriate, the Company may limit further purchase of such shares or substitute shares of another Eligible Fund or Portfolio for shares already purchased under a Contract. Any substitution requires permission from the New York Department of Financial Services.

**VALUATION OF ASSETS:** The assets of the Accounts are valued at their fair market value and derived from the net asset value received from the Portfolios.

**ACCUMULATION UNITS:** Accumulation Units shall be used to account for all amounts allocated to or withdrawn from the Sub-Accounts of the Variable Account as a result of Net Purchase Payments, withdrawals, transfers, or fees and charges. The Company will determine the number of Accumulation Units of a Sub-Account purchased or canceled. This will be done by dividing the amount allocated to (or the amount withdrawn from) the Sub-Account by the dollar value of one Accumulation Unit of the Sub-Account as of the end of the Valuation Period during which the request for the transaction is received at the Administrative Office.

**ACCUMULATION UNIT VALUE:** The Accumulation Unit Value for each Sub-Account was arbitrarily set initially at $10. Subsequent Accumulation Unit Values for each Sub-Account are determined by multiplying the Accumulation Unit Value for the immediately preceding Valuation Period by the Net Investment Factor for the Sub-Account for the current period.

The Net Investment Factor for each Sub-Account is determined by dividing A by B where:

---

| | |
|:---|:---|
| A is | (i) the net asset value per share of the Eligible Fund or Portfolio of an Eligible Fund held by the Sub-Account at the end of the current Valuation Period; plus |
|  | (ii) any dividend or capital gains per share declared on behalf of such Eligible Fund or Portfolio that<br>has an ex-dividend date within the current Valuation Period; plus |
| B is | the net asset value per share of the Eligible Fund or Portfolio held by the Sub-Account for the immediately preceding Valuation Period. |

---

The Accumulation Unit Value may increase or decrease from Valuation Period to Valuation Period.

**CONTRACT VALUE** 

The Contract Value for any Valuation Period is the sum of the Contract Value in each of the Sub-Accounts of the Variable Account.

The Contract Value in a Sub-Account of the Variable Account is determined by multiplying the number of Accumulation Units allocated to the Owner's Account for the Sub-Account by the Accumulation Unit Value.

Withdrawals (including any applicable Subscription Fee) will result in the reduction of Accumulation Units in a Sub-Account.

VACC-0125NYCV 8 ([12/2025])

------

**SUBSCRIPTION FEE** 

**DEDUCTION FOR SUBSCRIPTION FEE:** During the Accumulation Period, on the last day of each month the Company deducts a Subscription Fee from the Contract Value for reimbursement of expenses relating to maintenance and administration of the Contract. The Subscription Fee amount is shown on the Contract Schedule. The Subscription Fee will be deducted on a pro-rata basis first from the balance of any money market Sub-Account(s), and then pro-rata from the balance of any other Sub-Account(s). The applicable Subscription Fee is also deducted during the Annuity Period and upon full surrender of the Contract. The Subscription Fee is waived, if on the day the Subscription Fee is levied, 100% of the Contract Value is invested in Sub-Accounts which are subject to the Low Cost Fund Platform Fee.

**LOW COST FUND PLATFORM FEE** 

**DEDUCTION FOR LOW COST FUND PLATFORM FEE:** During the Accumulation Period, the Company imposes the Low Cost Fund Platform Fee, as shown on the Contract Schedule. The Low Cost Fund Platform Fee, on an annual basis, will never exceed the percentage shown on the Contract Schedule multiplied by the average daily net asset value of the separate account invested in certain Sub-Accounts. This fee is deducted at the end of each Valuation Period through the unit value. These Sub-Accounts invest in Eligible Funds that do not provide the Company or its affiliates with the amount of revenue it requires in order for it to meet its revenue targets.

Certain Eligible Funds on which the Company imposes a Low Cost Fund Platform Fee may only be available if you are advised by a Financial Advisor approved by that Eligible Fund.

**TRANSFERS** 

**TRANSFERS DURING THE ACCUMULATION PERIOD:** Subject to any limitation imposed by the Company on the number of transfers during the Accumulation Period shown on the Contract Schedule, an Owner, may transfer all or part of the Contract Value in a Sub-Account without the imposition of any transfer fee if there have been no more than the number of Transfers Permitted shown on the Contract Schedule for the Contract Year.

All transfers are subject to the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The minimum amount which can be transferred from a Sub-Account is shown on the
Contract Schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The Company reserves the right, pursuant to the frequent trading rules outlined on the Contract Schedule and/or state
requirements, at any time and with notice to you and/or your Registered Representative or Financial Advisor, to terminate, suspend or modify the transfer privilege described above or to block one or more trades pursuant to the rules.

If an Owner, Registered Representative or Financial Advisor, or other authorized person elects to use this transfer privilege, the Company will not be liable for transfers made in accordance with instructions received from such person. All amounts and Accumulation Units will be determined as of the end of the Valuation Period during which the request for transfer is received at the Administrative Office.

The Contract is not designed for professional market timing organizations.

**WITHDRAWAL PROVISIONS** 

**WITHDRAWALS:** During the Accumulation Period, the Owner may, upon an Authorized Request, make a total or partial withdrawal of the Contract Withdrawal Value, which is calculated upon receipt of the completed request.

The applicable Subscription Fee is netted out of the proceeds upon full surrender of the Contract (which does not include partial withdrawals). The Subscription Fee will be prorated upon surrender.

The Owner must specify by an Authorized Request which Sub-Account is the source of the partial withdrawal. However, if no instruction is received the partial withdrawal will be processed pro-rata.

The Company will pay the amount of any withdrawal from the Variable Account within seven (7) days of receipt of an Authorized Request unless the Suspension or Deferral of Payments Provision is in effect.

VACC-0125NYCV 9 ([12/2025])

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Each partial withdrawal must be for an amount which is not less than the Minimum Partial Withdrawal shown on the Contract Schedule. The minimum Contract Value which must remain in the Contract after a partial withdrawal is shown on the Contract Schedule.

**PROCEEDS PAYABLE ON DEATH** 

**DEATH OF OWNER DURING THE ACCUMULATION PERIOD:** Upon the death of the Owner, or any Joint Owner, during the Accumulation Period, the death benefit will be paid to the Beneficiary(ies) designated by the Owner. If there are multiple Beneficiaries, the first Beneficiary will be paid his share of any proceeds once his Authorized Request is received. The remaining death benefit proceeds will remain invested in the Sub-Accounts in accordance with the allocation instructions given by the Owner until the death benefit is paid or until new instructions are given by the beneficiary.

Upon the death of any Joint Owner, the surviving Joint Owner, if any, will be treated as the Primary Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a contingent Beneficiary.

Unless restricted by Owner, a Beneficiary may request that the death benefit be paid pursuant to one of the Death Benefit Options below. If the Beneficiary is the spouse of the Owner, he or she may elect to continue the Contract at the then current Contract Value in his or her own name and exercise all the Owner's rights under the Contract.

**DEATH BENEFIT AMOUNT DURING THE ACCUMULATION PERIOD:** The death benefit will be the Contract Value determined as of the end of the Valuation Period during which the Company receives both due proof of death and an election for the payment method, reduced by the applicable portion of the Subscription Fee, any applicable Low Cost Fund Platform Fee. If an election for the payment method is not received, the Company will pay the proceeds under Option 2.

**DEATH BENEFIT OPTIONS DURING THE ACCUMULATION PERIOD:** A non-spousal Beneficiary must elect the death benefit to be paid under one of the following options in the event of the death of the Owner or any Joint Owner during the Accumulation Period:

<u>Option 1</u>: lump sum payment of the death benefit; or

<u>Option 2:</u> the payment of the entire death benefit within 5 years of the date of the death of the Owner or any Joint Owner; or

<u>Option 3:</u> payment of the death benefit under an Annuity Option over the lifetime of the Beneficiary or over a period not extending beyond the life expectancy of the Beneficiary with distribution beginning within one year of the date of death of the Owner or any Joint Owner.

Any portion of the death benefit not applied under Option 3 within one year of the date of the Owner's death, must be distributed within five years of the date of death.

A spousal Beneficiary may elect to continue the Contract in his or her own name at the then current Contract Value, elect a lump sum payment of the death benefit or apply the death benefit to an Annuity Option.

If a lump sum payment is requested, the amount will be paid within seven (7) days of receipt of proof of death and an Authorized Request, unless the Suspension or Deferral of Payments Provision is in effect.

Payment to the Beneficiary, other than in a lump sum, may only be elected during the sixty-day period beginning with the date of receipt of proof of death.

**DEATH OF OWNER DURING THE ANNUITY PERIOD:** If the Owner, or any Joint Owner, who is not the Annuitant, dies during the Annuity Period, any remaining payments under the Annuity Option elected will continue at least as rapidly as under the method of distribution in effect at such Owner's or Joint Owner's death. Upon the death of any Owner during the Annuity Period, the Beneficiary becomes the Owner. Upon the death of any Joint Owner during the Annuity Period, the surviving Joint Owner, if any, will be treated as the Primary Beneficiary. Any other Beneficiary designation on record at the time of death will be treated as a Contingent Beneficiary.

VACC-0125NYCV 10 ([12/2025])

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**DEATH OF ANNUITANT:** Upon the death of an Annuitant, who is not the Owner, during the Accumulation Period, the Owner will automatically become the Annuitant. The Owner may designate a new Annuitant. If the Owner is a non-natural person, the death of an Annuitant will be treated as the death of the Owner and proceeds will be paid to the Beneficiary of record.

Upon the death of the Annuitant during the Annuity Period, the death benefit, if any, will be as specified in the Annuity Option elected. Death benefits will be paid at least as rapidly as under the method of distribution in effect at the Annuitant's death.

**PAYMENT OF DEATH BENEFIT:** The Company will require due proof of death and an Authorized Request before any death benefit is paid. Due proof of death will be:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. a certified death certificate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. a certified decree of a court of competent jurisdiction as to the finding of death; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. any other proof satisfactory to the Company.

All death benefits will be paid in accordance with applicable law or regulations governing death benefit payments, and in accordance with Company administrative procedures.

**BENEFICIARY:** The Beneficiary designation in effect on the Contract Issue Date will remain in effect until changed. The Beneficiary is entitled to receive the benefits to be paid at the death of the Owner.

Unless the Owner provides otherwise, the death benefit will be paid in equal shares to the survivor(s) as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. to the Primary Beneficiary(ies) who survive the Owner's and/or the Annuitant's death, as applicable; or if
there are none

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. to the Contingent Beneficiary(ies) who survive the Owner's and/or the Annuitant's death, as applicable; or
if there are none

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. to the estate of the Owner.

**CHANGE OF BENEFICIARY:** Subject to the rights of any irrevocable Beneficiary (which cannot be changed without their consent) the Owner may change the Primary Beneficiary(ies) or Contingent Beneficiary(ies). A change may be made by an Authorized Request. Unless otherwise specified by the Owner, the change shall take effect on the date the notice is signed by the Owner. The Company will not be liable for any payment made or action taken before it receives the change.

**SUSPENSION OR DEFERRAL OF PAYMENTS PROVISION** 

The Company reserves the right to suspend or postpone payments from the Variable Account for a withdrawal or transfer for any of the below periods. Interest will be paid on deferrals of 10 days or more from the date the documentation necessary to complete the transaction is received at a rate that is set by the Board of Directors.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. the New York Stock Exchange (or applicable bond market) is closed (other than customary weekend and holiday closings);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. trading on the New York Stock Exchange (or applicable bond market) is restricted;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. an emergency exists as a result of which disposal of securities held in the Variable Account is not reasonably
practicable or it is not reasonably practicable to determine the value of the Variable Account's net assets; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. during any other period when the Securities and Exchange Commission, by order, so permits for the protection of
Owners; provided that applicable rules and regulations of the Securities and Exchange Commission will govern as to whether the conditions described in (2) and (3) exist.

VACC-0125NYCV 11 ([12/2025])

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**OWNER, ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS** 

**OWNER:** The Owner has all interest and right to amounts held in his or her Contract. The Owner is the person designated as such on the Contract Issue Date, unless changed.

The Owner may change owners of the Contract at any time by Authorized Request. A change of Owner will automatically revoke any prior designation of Owner. Unless otherwise specified by the Owner, the change shall take effect on the date the notice is signed by the Owner. The Company will not be liable for any payment made or action taken before it receives the change.

**JOINT OWNER:** A Contract may be owned by Joint Owners. Upon the death of either Owner, the surviving Owner will be the Primary Beneficiary. Any other Beneficiary designation will be treated as a Contingent Beneficiary unless otherwise indicated in an Authorized Request.

**ANNUITANT:** The Annuitant is the person on whose life Annuity Payments are based. The Annuitant is the person designated by the Owner at the Contract Issue Date, unless changed prior to the Annuity Date. The Owner may not change the Annuitant except in the event that the Annuitant dies prior to the Annuity Date. The Annuitant may not be changed in a Contract which is owned by a non-natural person.

**ASSIGNMENT OF A CONTRACT:** An Authorized Request specifying the terms of an assignment of a Contract must be provided to the Administrative Office. The assignment shall take effect on the date the notice of assignment is signed, unless otherwise specified by the Owner; however, the Company will not be liable for any payment made or action taken before it receives the assignment.

The Company will not be responsible for the validity or tax consequences of any assignment. Any assignment made after the death benefit has become payable will be valid only with Company consent.

If the Contract is assigned, the Owner's rights may only be exercised with the consent of the assignee of record.

**ANNUITY PROVISIONS** 

**GENERAL:** On the Annuity Date, the Adjusted Contract Value will be applied under the Annuity Option selected by the Owner.

**ANNUITY DATE:** The Annuity Date must be at least 13 months after the Contract Issue Date. The Annuity Date may not be later than the Maximum Maturity Date. The Contract will automatically be forced into Annuitization for a guaranteed period of ten years if the Owner does not select an Annuity Date on or before the Maximum Maturity Date. It is understood that upon the death of the Annuitant, any amounts remaining under the guaranteed period will be distributed to the Beneficiary at least as rapidly as under the method of distribution being used as of the date of the Annuitant's death.

Prior to the Annuity Date, subject to the limitations set forth above, the Owner may change the Annuity Date by an Authorized Request. Any change must be requested at least thirty (30) days prior to the new Annuity Date.

**SELECTION OF AN ANNUITY OPTION:** An Annuity Option may be selected by an Authorized Request of the Owner. If no Annuity Option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, the Owner can change the Annuity Option selected by an Authorized Request. Any change must be requested at least thirty (30) days prior to the Annuity Date. If an Annuity Option with a Guarantee Period provides for installment payments of the same amount at some ages for different Guarantee Periods, we will deem an election to have been made for the longest Guarantee Period which could have been elected for such age and amount.

**FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS:** Annuity Payments are paid in monthly installments. The Adjusted Contract Value is applied to the Annuity Table for the Annuity Option selected. If the Adjusted Contract Value to be applied under an Annuity Option is less than $5,000, the Company reserves the right to make a lump sum payment in lieu of Annuity Payments. If the Annuity Payment would be or become less than $20, the Company reserves the right to reduce the frequency of payments to an interval which will result in each payment being at least $20.

VACC-0125NYCV 12 ([12/2025])

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**ANNUITY OPTIONS:** Annuity benefits at the time of their commencement will not be less than the greater of the annuity benefits that would be paid if 100% of the Contract Value was applied to: the current purchase rates then in effect at Nationwide; the guaranteed purchase rates in this Contract; or the then current rates<u> </u>used to purchase any single consideration immediate annuity contract offered by Nationwide at that time to the same class of annuitants. The following Annuity Options or any other annuity option acceptable to Nationwide may be selected:

OPTION 1. LIFETIME ONLY ANNUITY: The Company will make monthly payments during the life of the Annuitant. If this option is elected, it is understood and agreed that payments shall cease immediately upon the death of the Annuitant and the annuity will terminate without further value.

OPTION 2. LIFETIME ANNUITY WITH GUARANTEED PERIODS: The Company will make monthly payments for the guaranteed period selected and thereafter for the life of the Annuitant. If this option is elected, it is understood and agreed that upon the death of the Annuitant, any amounts remaining under the guaranteed period selected will be distributed to the Beneficiary at least as rapidly as under the method of distribution being used as of the date of the Annuitant's death. The guaranteed period may be five (5) years, ten (10) years or twenty (20) years.

OPTION 3. PAYMENT FOR A FIXED PERIOD: The Company will make monthly payments for a fixed period of 3 to 20 years.

OPTION 4. JOINT AND SURVIVOR ANNUITY: The Company will make monthly payments during the joint lifetime of the Annuitant and a Joint Annuitant. Payments will continue during the lifetime of the surviving Annuitant and will be computed on the basis of 100%, 50% or 66 2/3% of the Annuity Payment in effect during the joint lifetime.

**ANNUITY:** The Adjusted Contract Value is allocated to the Company's general account and the Annuity is paid as a Fixed Annuity. Unless the Owner specifies otherwise, the payee of the Annuity Payments shall be the Owner. The Adjusted Contract Value will be applied to the applicable Annuity Table based upon the Annuity Option selected by the Owner. The amount of the first payment for each $1,000 of Adjusted Contract Value is shown in the Annuity Tables based on an effective annual interest rate of 1.0%.

**MORTALITY TABLES**: The Annuity 2000 – Age Last Birthday Mortality Table with Male-Female sex distinction, projected to 2012, with further projection for each attained age to the date of usage, based on 50% for female and 100% for male of Projection Scale G, is used in establishing the Annuity Table with a 1.00% interest rate. The age in the Annuity Table is the Annuitant's Adjusted Age. "Adjusted Age" is the Annuitant's Age when the annuity payment begins, reduced by 1 year for every 5 years that has elapsed since January 1, 2012. For example, the Adjusted Age for an Annuitant whose annuity payments begin in 2017, and whose Age is 67 at the time the first annuity payment is due, would be 66. The dollar amount of an Annuity Payment for any Age or combination of ages not shown in the tables, or for any other form of Annuity Option agreed to by the Company, will be provided by the Company upon Authorized Request.

**GENERAL PROVISIONS** 

**THE CONTRACT:** The entire Contract consists of this Contract, the Application, if attached to the Contract, and any riders or endorsements attached to this Contract. All statements made by or under the authority of the applicant in an application for the issuance of the Contract shall be deemed representations, and not warranties.

In the event the Company has an administrative error resulting in any underpayment(s), the Company will apply to your Contract Value, the amount of any underpayment(s) as soon as administratively possible.

**MISSTATEMENT OF AGE and/or SEX:** If the Age or Sex of any Annuitant has been misstated, any Annuity benefits payable will be the Annuity benefits provided by the correct Age or sex. After Annuity Payments have begun, any underpayments will be made up in one sum with the next Annuity Payment. Any overpayments will be deducted from future Annuity Payments until the total is repaid. Any underpayment or overpayment by the Company on account of misstatement of age and/or sex, shall with an interest rate of 1% compounded annually, be charged/credited against the current or next succeeding payments to be made by the Company.

**INCONTESTABILITY:** This Contract will not be contestable from the date of issue.

VACC-0125NYCV 13 ([12/2025])

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**MODIFICATION:** This Contract may be modified in order to maintain compliance with applicable provisions or requirements of the Internal Revenue Code or other applicable state or federal law. This Contract may be changed or altered only by the President or Vice President and the Secretary of the Company. A change or alteration must be made in writing. Any such change or amendment cannot be effective without prior approval of the New York Department of Financial Services.

**NON-PARTICIPATING:** This Contract will not share in any distribution of dividends.

**EVIDENCE OF SURVIVAL:** The Company may require satisfactory evidence of the continued survival of any person(s) on whose life Annuity Payments are based.

**PROOF OF AGE:** The Company may require evidence of Age of any Annuitant and any Owner.

**REPORTS:** At least once each calendar year, the Company will furnish each Owner with a report showing the Contract Value and any other information as may be required by law. The Company will also furnish an annual report of the Variable Account. The reports shall provide information as of a date of not more than four months prior to the date of mailing and include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. The beginning and end dates of the current report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. The Contract Value at the beginning and end of the current report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. The amounts credited or debited during the current report period and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. The Contract Withdrawal Value (ending value) as of the end of the current report period.

**REGULATORY REQUIREMENTS:** All values payable under any Contract will not be less than the minimum benefits required by the laws of the state of New York.

VACC-0125NYCV 14 ([12/2025])

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---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**OPTION 3 TABLE** | &nbsp;&nbsp;&nbsp;**OPTION 3 TABLE** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Male | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Male | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Male | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Male | |
| &nbsp;&nbsp;&nbsp; No. of<br> years<br> payable | Monthly<br> installments |  | (2) | (2) | (2) |  |
| &nbsp;&nbsp;&nbsp; No. of<br> years<br> payable | Monthly<br> installments | (1)<br>Life Only | 5 Year<br> Certain &<br> Life | 10 Year<br> Certain &<br>Life | 20 Year<br> Certain & <br> Life  | Age of Payee<br> When First<br> Installment<br> is Payable |
| 3 | $28.18 |  |  |  |  |  |
| 4 | 21.24 |  |  |  |  |  |
| 5 | 17.08 | 2.70 | 2.70 | 2.69 | 2.64 | 50 |
| 6 | 14.30 | 2.76 | 2.76 | 2.75 | 2.70 | 51 |
| 7 | 12.32 | 2.83 | 2.83 | 2.81 | 2.75 | 52 |
| 8 | 10.83 | 2.90 | 2.89 | 2.88 | 2.81 | 53 |
| 9 | 9.68 | 2.97 | 2.97 | 2.95 | 2.88 | 54 |
| 10 | 8.75 | 3.05 | 3.05 | 3.03 | 2.94 | 55 |
| 11 | 7.99 | 3.13 | 3.13 | 3.11 | 3.00 | 56 |
| 12 | 7.36 | 3.22 | 3.21 | 3.19 | 3.07 | 57 |
| 13 | 6.83 | 3.31 | 3.30 | 3.28 | 3.14 | 58 |
| 14 | 6.37 | 3.41 | 3.40 | 3.37 | 3.21 | 59 |
| 15 | 5.98 | 3.51 | 3.50 | 3.47 | 3.29 | 60 |
| 16 | 5.63 | 3.62 | 3.61 | 3.57 | 3.36 | 61 |
| 17 | 5.33 | 3.74 | 3.73 | 3.68 | 3.44 | 62 |
| 18 | 5.05 | 3.87 | 3.85 | 3.79 | 3.51 | 63 |
| 19 | 4.81 | 4.00 | 3.98 | 3.91 | 3.59 | 64 |
| 20 | 4.59 | 4.15 | 4.12 | 4.04 | 3.67 | 65 |

---

VACC-0125NYCV 15 ([12/2025])

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---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;**OPTION 3 TABLE** | &nbsp;&nbsp;&nbsp;**OPTION 3 TABLE** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Female | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Female | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Female | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **OPTIONS 1 AND 2 TABLES**<br> Female | |
| &nbsp;&nbsp;&nbsp;No. of<br>years<br>payable | Monthly<br>installments |  | (2) | (2) | (2) |  |
| &nbsp;&nbsp;&nbsp;No. of<br>years<br>payable | Monthly<br>installments | (1)<br>Life Only | 5 Year<br> Certain & <br>Life | 10 Year<br> Certain &<br>Life | 20 Year<br> Certain & <br> Life | Age of Payee<br> When First<br> Installment<br> is Payable |
| 3 | $28.18 |  |  |  |  |  |
| 4 | 21.24 |  |  |  |  |  |
| 5 | 17.08 | 2.62 | 2.62 | 2.61 | 2.58 | 50 |
| 6 | 14.30 | 2.67 | 2.67 | 2.67 | 2.63 | 51 |
| 7 | 12.32 | 2.74 | 2.73 | 2.73 | 2.69 | 52 |
| 8 | 10.83 | 2.80 | 2.80 | 2.79 | 2.75 | 53 |
| 9 | 9.68 | 2.87 | 2.86 | 2.85 | 2.80 | 54 |
| 10 | 8.75 | 2.94 | 2.93 | 2.92 | 2.87 | 55 |
| 11 | 7.99 | 3.01 | 3.01 | 3.00 | 2.93 | 56 |
| 12 | 7.36 | 3.09 | 3.09 | 3.07 | 3.00 | 57 |
| 13 | 6.83 | 3.18 | 3.17 | 3.15 | 3.06 | 58 |
| 14 | 6.37 | 3.26 | 3.26 | 3.24 | 3.14 | 59 |
| 15 | 5.98 | 3.36 | 3.35 | 3.33 | 3.21 | 60 |
| 16 | 5.63 | 3.46 | 3.45 | 3.42 | 3.28 | 61 |
| 17 | 5.33 | 3.56 | 3.55 | 3.52 | 3.36 | 62 |
| 18 | 5.05 | 3.68 | 3.67 | 3.63 | 3.44 | 63 |
| 19 | 4.81 | 3.80 | 3.78 | 3.74 | 3.52 | 64 |
| 20 | 4.59 | 3.92 | 3.91 | 3.86 | 3.60 | 65 |

---

VACC-0125NYCV 16 ([12/2025])

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&nbsp;&nbsp;**Option 4 tables**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Joint and 100% Survivor** | **Joint and 100% Survivor** | **Joint and 100% Survivor** | **Joint and 100% Survivor** | **Joint and 100% Survivor** | **Joint and 100% Survivor** |
|  | male age<br> g |  |  |  |  |
| female <br> age i  | 55 | 60 | 65 | 70 | 75 |
| 55 | 2.56 | 2.68 | 2.77 | 2.84 | 2.88 |
| 60 | 2.70 | 2.88 | 3.04 | 3.16 | 3.24 |
| 65 | 2.81 | 3.06 | 3.30 | 3.51 | 3.67 |
| 70 | 2.90 | 3.21 | 3.55 | 3.88 | 4.17 |
| 75 | 2.96 | 3.33 | 3.76 | 4.23 | 4.69 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Joint and 66 2/3% Survivor** | **Joint and 66 2/3% Survivor** | **Joint and 66 2/3% Survivor** | **Joint and 66 2/3% Survivor** | **Joint and 66 2/3% Survivor** | **Joint and 66 2/3% Survivor** |
|  | male age<br> g |  |  |  |  |
| female <br> age i  | 55 | 60 | 65 | 70 | 75 |
| 55 | 2.84 | 3.01 | 3.19 | 3.37 | 3.55 |
| 60 | 3.02 | 3.23 | 3.46 | 3.70 | 3.92 |
| 65 | 3.20 | 3.47 | 3.77 | 4.07 | 4.38 |
| 70 | 3.40 | 3.72 | 4.10 | 4.50 | 4.92 |
| 75 | 3.60 | 3.98 | 4.44 | 4.97 | 5.54 |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Joint and 50% Survivor** | **Joint and 50% Survivor** | **Joint and 50% Survivor** | **Joint and 50% Survivor** | **Joint and 50% Survivor** | **Joint and 50% Survivor** |
|  | male age<br> g |  |  |  |  |
| female <br> age i  | 55 | 60 | 65 | 70 | 75 |
| 55 | 3.00 | 3.21 | 3.45 | 3.72 | 4.00 |
| 60 | 3.20 | 3.44 | 3.72 | 4.04 | 4.38 |
| 65 | 3.44 | 3.72 | 4.05 | 4.42 | 4.83 |
| 70 | 3.72 | 4.04 | 4.43 | 4.88 | 5.39 |
| 75 | 4.03 | 4.41 | 4.88 | 5.44 | 6.07 |

---

VACC-0125NYCV 17 ([12/2025])

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**INDIVIDUAL MODIFIED SINGLE PURCHASE PAYMENT VARIABLE** 

**DEFERRED ANNUITY CONTRACT** 

**Non-participating** 

VACC-0125NYCV 18 ([12/2025])

## Ex-99.(L)

**Consent of Independent Registered Public Accounting Firm**

We consent to the use of our report dated April 1, 2025, with respect to the financial statements of the sub-accounts that comprise Nationwide Jefferson National VA Separate Account 1, and the related notes (collectively, the financial statements), incorporated herein by reference, and to the reference to our firm under the heading "Independent Registered Public Accounting Firm" in the Statement of Additional Information that was previously filed under SEC File No. 333-288440 and is incorporated by reference herein.

/s/ KPMG LLP

Columbus, Ohio <br>December 5, 2025

------

**Consent of Independent Registered Public Accounting Firm**

We consent to the use of our report dated March 20, 2025, with respect to the statutory financial statements and financial statement schedules of Nationwide Life Insurance Company, incorporated herein by reference, and to the reference to our firm under the heading "Independent Registered Public Accounting Firm" in the Statement of Additional Information that was previously filed under SEC File No. 333-288440 and is incorporated by reference herein.

/s/ KPMG LLP

Columbus, Ohio <br>December 5, 2025

------

## Ex-99.(99)

**POWER OF ATTORNEY**

Each of the undersigned as directors and/or officers of NATIONWIDE LIFE INSURANCE COMPANY and NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY, both Ohio corporations, which have filed or will file with the U.S. Securities and Exchange Commission under the provisions of the Securities Act of 1933, as amended; the Investment Company Act of 1940, as amended; and, if applicable, the Securities Exchange Act of 1934, various registration statements and amendments thereto for the registration of current, as well as any future, separate accounts established by said corporations for the purpose of registering under said Act(s) immediate or deferred variable annuity contracts, fixed interest rate options subject to a market value adjustment, group flexible fund retirement annuity contracts and variable life insurance policies in connection with the separate accounts and contracts listed below:

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| | |
|:---|:---|
| **Variable Annuities and Variable Life Insurance Policies** | **Variable Annuities and Variable Life Insurance Policies** |
| **Separate Account (1940 Act File No.)** | **1933 Act File No(s). / Contract Name(s)** |
| MFS Variable Account (811-02662) | 002-73432 |
| Nationwide Jefferson National VA Separate Account 1 <br> (811-22994)<br>| 333-288440 |
| Nationwide Multi-Flex Variable Account (811-03338) | 033-23905, 002-75174 |
| Nationwide Variable Account (811-02716) | 002-58043, 333-80481, 333-176908 |
| Nationwide Variable Account-II (811-03330) | &nbsp;&nbsp;&nbsp;&nbsp; 002-75059, 033-67636, 033-60063, 333-103093, 333-103094, <br> 333-103095, 333-104513, 333-104511, 333-104512, <br> 333-104510, 333-151990, 333-105992, 333-147273, <br> 333-147198, 333-160635, 333-164886, 333-168818, <br> 333-177934, 333-177581, 333-177582, 333-177316, <br> 333-177319, 333-177439, 3333-177441, 333-177729, <br> 333-177731, 333-173349, 333-177938, 333-182494, <br> 333-235382, 333-235383, 333-258296<br>|
| Nationwide Variable Account-3 (811-05405) | 033-18422 |
| Nationwide Variable Account-4 (811-05701) | &nbsp;&nbsp;&nbsp;&nbsp; 333-62692, 333-135650, 333-140812, 333-201820, 333-240010, <br> 333-240009<br>|
| Nationwide Variable Account-5 (811-08142) | 033-71440, 333-267078, 333-272927 |
| Nationwide Variable Account-6 (811-08684) | 033-82370, 333-21909 |
| Nationwide Variable Account-7 (811-08666) | 033-82190, 033-82174, 033-89560 |
| Nationwide Variable Account-8 (811-07357) | 033-62637, 033-62659 |
| Nationwide Variable Account-9 (811-08241) | &nbsp;&nbsp;&nbsp;&nbsp; 333-28995, 333-52579, 333-56073, 333-53023, 333-79327, <br> 333-69014, 333-75360<br>|
| Nationwide Variable Account-10 (811-09407) | 333-81701 |
| Nationwide Variable Account-11 (811-10591) | 333-74904, 333-74908 |
| Nationwide Variable Account-12 (811-21099) | 333-88612, 333-108894, 333-178057, 333-178059 |
| Nationwide Variable Account-13 (811-21139) | 333-91890 |
| Nationwide Variable Account-14 (811-21205) | 333-104339 |
| Nationwide Variable Account-15 (811-23386) | 333-227783, 333-227780 |
| Nationwide VA Separate Account-A (811-05606) | 033-22940 |
| Nationwide VA Separate Account-B (811-06399) | 033-86408 |
| Nationwide VA Separate Account-C (811-07908) | 033-66496 |
| Nationwide VA Separate Account-D (811-10139) | 333-45976 |
| Nationwide VLI Separate Account (811-04399) | 033-35698 |
| Nationwide VLI Separate Account-2 (811-05311) | 033-16999, 033-62795, 033-35783, 033-63179 |
| Nationwide VLI Separate Account-3 (811-06140) | 033-44296 |
| Nationwide VLI Separate Account-4 (811-08301) | &nbsp;&nbsp;&nbsp;&nbsp; 333-31725, 333-43671, 333-94037, 333-52615, 333-69160, <br> 333-83010, 333-137202, 333-169879, 333-229640 <br>|
| Nationwide VLI Separate Account-5 (811-10143) | 333-46338, 333-46412, 333-66572, 333-121881 |
| Nationwide VLI Separate Account-6 (811-21398) | 333-106908 |
| Nationwide VLI Separate Account-7 (811-21610) | &nbsp;&nbsp;&nbsp;&nbsp; 333-117998, 333-121879, 333-146649, 333-149295, <br> 333-156020, 333-258039, 333-258035<br>|

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| | |
|:---|:---|
| **Variable Annuities and Variable Life Insurance Policies** | **Variable Annuities and Variable Life Insurance Policies** |
| **Separate Account (1940 Act File No.)** | **1933 Act File No(s). / Contract Name(s)** |
| Nationwide VL Separate Account-C (811-08351) | 333-43639 |
| Nationwide VL Separate Account-D (811-08891) | 333-59517 |
| Nationwide VL Separate Account-G (811-21697) | &nbsp;&nbsp;&nbsp;&nbsp; 333-121878, 333-140608, 333-146073, 333-146650, <br> 333-149213, 333-155153, 333-215169, 333-215173, <br> 333-223705, 333-253123, 333-272262, 333-280429<br>|
| Nationwide Provident VA Separate Account 1 (811-07708) | 333-164127, 333-164126 |
| Nationwide Provident VLI Separate Account 1 (811-04460) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164180, 333-164117, 333-164178, 333-164179, <br> 333-164119, 333-164120, 333-164115, 333-164118, <br> 333-164116<br>|
| Nationwide Provident VA Separate Account A (811-06484) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164131, 333-164130, 333-164132, 333-164129, <br> 333-164128<br>|
| Nationwide Provident VLI Separate Account A (811-08722) | &nbsp;&nbsp;&nbsp;&nbsp; 333-164188, 333-164123, 333-164185, 333-164122, <br> 333-164121<br>|

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

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| | |
|:---|:---|
| **General Account Products** | **General Account Products** |
| **Insurance Company** | **1933 Act File No(s). / Contract Name(s)**  |
| Nationwide Life Insurance Company | &nbsp;&nbsp;&nbsp;&nbsp; 333-271186, 333-271187, 333-271188, 333-278509, <br> 333-289518, 333-289519, 333-289520<br>|

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hereby constitute and appoint Craig A. Hawley, Steven A. Ginnan, Kush V. Kotecha, Holly R. Snyder, Michael Stobart, Paige L. Ryan, Shawn M. Parry, Jamie Ruff Casto, Stephen M. Jackson, and Benjamin W. Mischnick and each of them with power to act without the others, as his/her attorney, with full power of substitution for and in his/her name, place and stead, in any and all capacities, to approve, and sign such Registration Statements, and any and all amendments thereto, with power to affix the corporate seal of said corporation thereto and to attest said seal and to file the same, with all exhibits thereto and other documents in connection therewith, with the U.S. Securities and Exchange Commission, hereby granting unto said attorneys, and each of them, full power and authority to do and perform all and every act and thing requisite to all intents and purposes as he/she might or could do in person, hereby ratifying and confirming that which said attorneys, or any of them, may lawfully do or cause to be done by virtue hereof. This instrument may be executed in one or more counterparts.

IN WITNESS WHEREOF, the undersigned have herewith set their names as of this 20<sup>th</sup> day of November, 2025.

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| | |
|:---|:---|
| /s/ Craig A. Hawley | /s/ Timothy G. Frommeyer |
| CRAIG A. HAWLEY, Director and Officer | TIMOTHY G. FROMMEYER, Director and Officer |
| /s/ Steven A. Ginnan | /s/ Kush V. Kotecha |
| STEVEN A. GINNAN, Director and Officer | KUSH V. KOTECHA, Director and Officer |
| /s/ Holly R. Snyder | /s/ Kirt A. Walker |
| HOLLY R. SNYDER, Director and Officer | KIRT A. WALKER, Director |
| /s/ James D. Benson |  |
| JAMES D. BENSON, Officer |  |

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