# EDGAR Filing Document

**Accession Number:** 0001755596
**File Stem:** 0001193125-25-152209
**Filing Date:** 2025-6
**Character Count:** 123721
**Document Hash:** b5c3bf0e17a38361e471ad6f1a1c27b8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-25-152209.hdr.sgml**: 20250630

**ACCESSION NUMBER**: 0001193125-25-152209

**CONFORMED SUBMISSION TYPE**: 485BPOS

**PUBLIC DOCUMENT COUNT**: 13

**FILED AS OF DATE**: 20250630

**DATE AS OF CHANGE**: 20250630

**EFFECTIVENESS DATE**: 20250630

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1940 Act
- **SEC FILE NUMBER:** 811-23386
- **FILM NUMBER:** 251089352

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

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

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

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

**FILING VALUES:**
- **FORM TYPE:** 485BPOS
- **SEC ACT:** 1933 Act
- **SEC FILE NUMBER:** 333-227783
- **FILM NUMBER:** 251089351

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

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

## Series and Classes Contracts Data

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

| Class ID   | Class Name                                    | Ticker Symbol   |
|:---|:---|:---|
| C000206996 | Nationwide Advisory Retirement Income Annuity |  |

?xml version='1.0' encoding='ASCII'? NARIA (333-227783)

As filed with the Securities and Exchange Commission on June 30, 2025

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**FORM N-4**

**REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933**File No. **333-227783**

Pre-Effective Amendment No.

☐

Post-Effective Amendment No. 17

☒

and/or

**REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940**File No. **811-23386**

Amendment No. 41

☒

(Check appropriate box or boxes.)

**Nationwide Variable Account-15**

------

(Exact Name of Registrant)

**Nationwide Life Insurance Company**

------

(Name of Depositor)

**One Nationwide Plaza, Columbus, Ohio 43215**

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(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**

**One Nationwide Plaza, Columbus, Ohio 43215**

------

(Name and Address of Agent for Service)

**June 30, 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 June 30, 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 June 30, 2025**

**to the following statutory prospectus(es):**

Nationwide Advisory Retirement Income Annuity prospectus 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>

Effective July 25, 2025, Nationwide is making the following updates:

I. The following investment options are available to those Contract Owners that elect or have elected the Nationwide Lifetime Income Rider Plus Core Advisory optional benefit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Variable Insurance Trust - NVIT Blueprint® Capital Appreciation Fund: Class II (formerly, Nationwide Variable Insurance Trust – NVIT Blueprint(SM) Capital Appreciation Fund: Class II)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation Fund: Class II

II. Changes to the Group A and Group B allocation limitations under the Custom Choice Asset Rebalancing Service for Contract Owners that elect or have elected the Nationwide Lifetime Income Rider Plus Core Advisory optional benefit.

III. Changes to the investment options that comprise Groups A, B, and C under the Custom Choice Asset Rebalancing Service for Contract Owners that elect or have elected one of the following optional benefits:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Lifetime Income Rider Plus Core Advisory

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Nationwide Lifetime Income Rider Plus Accelerated Advisory

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Retirement Income Developer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Pro 4 Option

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**(1) The *Income Benefit Investment Option*s section under *Appendix A: Underlying Mutual Funds Available Under the Contract* is deleted in its entirety and replaced with the following:**

**Income Benefit Investment Options**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Option** | &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus** <br> **Core**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus**<br> **Accelerated**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider** <br> **Advisory**<br>| &nbsp;&nbsp; **Retirement Income**<br> **Developer**<br>| &nbsp;&nbsp; **Pro 4** <br> **Option**<br>|
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Aggressive Fund: Class II (formerly, Nationwide <br> Variable Insurance Trust - NVIT Blueprint(SM) <br> Aggressive Fund: Class II)<br>|  | X |  | X | X |

---

PROS-1021

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Option** | &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus** <br> **Core**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus**<br> **Accelerated**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider** <br> **Advisory**<br>| &nbsp;&nbsp; **Retirement Income**<br> **Developer**<br>| &nbsp;&nbsp; **Pro 4** <br> **Option**<br>|
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Balanced Fund: Class II (formerly, Nationwide Variable <br> Insurance Trust - NVIT Blueprint(SM) Balanced Fund: <br> Class II)<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Capital Appreciation Fund: Class II (formerly, <br> Nationwide Variable Insurance Trust - NVIT <br> Blueprint(SM) Capital Appreciation Fund: Class II)<br>| X | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Conservative Fund: Class II (formerly, Nationwide <br> Variable Insurance Trust - NVIT Blueprint(SM) <br> Conservative Fund: Class II)<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Managed Growth & Income Fund: Class II (formerly, <br> Nationwide Variable Insurance Trust - NVIT <br> Blueprint(SM) Managed Growth & Income Fund: Class <br> II)<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Managed Growth Fund: Class II (formerly, Nationwide <br> Variable Insurance Trust - NVIT Blueprint(SM) <br> Managed Growth Fund: Class II)<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Moderate Fund: Class II (formerly, Nationwide Variable <br> Insurance Trust - NVIT Blueprint(SM) Moderate Fund: <br> Class II)<br>| X | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Moderately Aggressive Fund: Class II (formerly, <br> Nationwide Variable Insurance Trust - NVIT <br> Blueprint(SM) Moderately Aggressive Fund: Class II)<br>|  | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Blueprint® <br> Moderately Conservative Fund: Class II (formerly, <br> Nationwide Variable Insurance Trust - NVIT <br> Blueprint(SM) Moderately Conservative Fund: Class II)<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Aggressive Fund: Class II<br>|  | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Balanced Fund: Class II<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Capital Appreciation Fund: Class II<br>| X | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Conservative Fund: Class II<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Managed Growth & Income Fund: Class II<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Managed Growth Fund: Class II<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Moderate Fund: Class II<br>| X | X |  | X | X |

---

PROS-1021

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Investment Option** | &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus** <br> **Core**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider Plus**<br> **Accelerated**<br> **Advisory**<br>| &nbsp;&nbsp; **Nationwide**<br> **Lifetime** <br> **Income** <br> **Rider** <br> **Advisory**<br>| &nbsp;&nbsp; **Retirement Income**<br> **Developer**<br>| &nbsp;&nbsp; **Pro 4** <br> **Option**<br>|
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Moderately Aggressive Fund: Class II<br>|  | X |  | X | X |
| Nationwide Variable Insurance Trust - NVIT Investor <br> Destinations Moderately Conservative Fund: Class II<br>| X | X | X | X | X |
| Nationwide Variable Insurance Trust - NVIT Managed <br> American Funds Asset Allocation Fund: Class II<br>| X | X | X | X | X |
| Custom Choice Asset Rebalancing Service | X | X | X |  | X |

---

(**2) *The Custom Asset Rebalancing Service Investment Options section* under *Appendix A: Underlying Mutual Funds Available Under the Contract* is deleted in its entirety and replaced with the following:**

**Custom Choice Asset Rebalancing Service Investment Options**

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

For Contract Owners who elect or have elected one of the following optional benefits:

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp; **Nationwide Lifetime**<br> **Income Rider**<br> **Plus Core Advisory**<br>| &nbsp;&nbsp; **Nationwide Lifetime**<br> **Income Rider**<br> **Plus Accelerated Advisory**<br>| &nbsp;&nbsp; **Nationwide Lifetime**<br> **Income Rider**<br> **Advisory Option**<br>| &nbsp;&nbsp; **Retirement Income**<br> **Developer**<br>| **Pro 4 Option** |
| Group A | 30% - 100% | 0% - 100% | 50% - 100% | 0% - 100% | 0% - 100% |
| Group B | 0% - 70% | 0% - 100% | 0% - 50% | 0% - 100% | 0% - 100% |
| Group C | 0% - 10% | 0% - 10% | 0% - 10% | 0% - 10% | 0% - 10% |
| Total | 100% | 100% | 100% | 100% | 100% |

---

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

---

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

---

PROS-1021

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

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PROS-1021

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

---

PROS-1021

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Conservative Fund: Class II <br> (formerly, Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Conservative Fund: <br> Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Managed Growth & Income Fund: <br> Class II (formerly, Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed <br> Growth & Income Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Managed Growth Fund: Class II <br> (formerly, Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Managed Growth <br> Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderate Fund: Class II (formerly, <br> Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Aggressive Fund: Class <br> II (formerly, Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately <br> Aggressive Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Blueprint® Moderately Conservative Fund: <br> Class II (formerly, Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately <br> Conservative Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Bond Index Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT DoubleLine Total Return Tactical Fund: Class <br> Y<br>| X |  |  |
| Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Emerging Markets <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Fidelity Institutional AM® Worldwide Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Government Money Market Fund: Class I | X |  |  |
| Nationwide Variable Insurance Trust - NVIT GQG US Quality Equity Fund: Class II <br> (formerly, Nationwide Variable Insurance Trust - NVIT Calvert Equity Fund: Class II)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT International Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Invesco Small Cap Growth Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund: Class <br> II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Balanced Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Capital Appreciation <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Managed Growth & <br> Income Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Managed Growth Fund: <br> Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Aggressive <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT iShares® Fixed Income ETF Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT iShares® Global Equity ETF Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT J.P. Morgan Digital Evolution Strategy Fund: <br> Class II<br>|  | X |  |

---

PROS-1021

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| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| Nationwide Variable Insurance Trust - NVIT J.P. Morgan Inflation Managed Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Core Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Core Bond Fund: Class Y | X |  |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class II | X |  |  |
| Nationwide Variable Insurance Trust - NVIT Loomis Short Term High Yield Fund: Class I <br> (formerly, Nationwide Variable Insurance Trust - NVIT Federated High Income Bond Fund: <br> Class I)<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Managed American Funds Asset Allocation <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Managed American Funds Growth-Income <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Cap Value Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Company Fund: Class I |  | X |  |
| Nationwide Variable Insurance Trust - NVIT NASDAQ-100 Index Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT NS Partners International Focused Growth <br> Fund: Class II<br>|  | X |  |
| Nationwide Variable Insurance Trust - NVIT Putnam International Value Fund: Class Z |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Real Estate Fund: Class II |  | X |  |
| Nationwide Variable Insurance Trust - NVIT S&P 500 Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class Y |  | X |  |
| Nationwide Variable Insurance Trust - NVIT Victory Mid Cap Value Fund: Class I |  | X |  |
| New York Life Investments VP Funds Trust - NYLI VP MacKay Convertible Portfolio: <br> Service 2 Class<br>|  | X |  |
| PIMCO Variable Insurance Trust - All Asset Portfolio: Advisor Class |  | X |  |
| PIMCO Variable Insurance Trust - CommodityRealReturn® Strategy Portfolio: <br> Administrative Class<br>|  | X |  |
| PIMCO Variable Insurance Trust - Dynamic Bond Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - Emerging Markets Bond Portfolio: Administrative Class |  | X |  |
| PIMCO Variable Insurance Trust - High Yield Portfolio: Administrative Class |  | X |  |
| PIMCO Variable Insurance Trust - Income Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - International Bond Portfolio (U.S. Dollar-Hedged): <br> Administrative Class<br>|  | X |  |
| PIMCO Variable Insurance Trust - Long-Term U.S. Government Portfolio: Administrative <br> Class<br>| X |  |  |
| PIMCO Variable Insurance Trust - Real Return Portfolio: Administrative Class |  | X |  |
| PIMCO Variable Insurance Trust - Short-Term Portfolio: Administrative Class | X |  |  |
| PIMCO Variable Insurance Trust - Total Return Portfolio: Administrative Class | X |  |  |
| Putnam Variable Trust - Putnam VT George Putnam Balanced Fund: Class IB |  | X |  |
| Putnam Variable Trust - Putnam VT International Equity Fund: Class IB |  | X |  |
| Putnam Variable Trust - Putnam VT International Value Fund: Class IB |  | X |  |
| Putnam Variable Trust - Putnam VT Sustainable Leaders Fund: Class IB |  | X |  |
| Rydex Variable Trust - Financial Services Fund |  | X |  |
| Rydex Variable Trust - Telecommunications Fund |  | X |  |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip Growth Portfolio: II |  | X |  |

---

PROS-1021

------

---

| | | | |
|:---|:---|:---|:---|
| **Underlying Mutual Fund** | **Group A** | **Group B** | **Group C** |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences Portfolio: II |  | X |  |
| T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth Portfolio: II |  | X |  |
| VanEck VIP Trust - VanEck VIP Global Gold Fund: Class S |  | X |  |
| VanEck VIP Trust - VanEck VIP Global Resources Fund: Class S |  | X |  |
| Vanguard Variable Insurance Fund - Balanced Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Capital Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Diversified Value Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Equity Income Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Equity Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Global Bond Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - High Yield Bond Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - International Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Real Estate Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio | X |  |  |
| Vanguard Variable Insurance Fund - Small Company Growth Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio | X |  |  |
| Vanguard Variable Insurance Fund - Total International Stock Market Index Portfolio |  | X |  |
| Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio |  | X |  |
| Victory Variable Insurance Funds II - Victory Pioneer Fund VCT Portfolio: Class II <br> (formerly, Pioneer Variable Contracts Trust - Pioneer Fund VCT Portfolio: Class II)<br>|  | X |  |

---

PROS-1021

------

**Incorporation by Reference**

The prospectus supplements dated May 1, 2025, May 29, 2025, May 30, 2025 and June 24, 2025, the prospectus except as modified herein, and the Statement of Additional Information, that were effective May 1, 2025, previously filed with the Commission under SEC file No. 333-227783, are hereby incorporated by reference and made a part of this registration statement.

Prospectus Supplement:

1)

[Prospectus Supplement dated May 1, 2025 and filed on April 25, 2025 as document number d920328d497.htm and](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525094935/d920328d497.htm)[hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525094935/d920328d497.htm)

2)

[Prospectus Supplement dated May 29, 2025 and filed on May 29, 2025 as document number d880101d485bpos.htm](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525130009/d880101d485bpos.htm)[and hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525130009/d880101d485bpos.htm)

3)

[Prospectus Supplement dated May 30, 2025 and filed on May 30, 2025 as document number d920328d497.htm and](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525131321/d892258d497.htm)[hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525131321/d892258d497.htm)

4)

[Prospectus Supplement dated June 24, 2025 and filed on June 24, 2025 as document number d74717d497.htm and](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525145154/d74717d497.htm)[hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525145154/d74717d497.htm)

[Prospectus:](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525131321/d892258d497.htm)

1)

[Nationwide Advisory Retirement Income Annuity prospectus effective May 1, 2025 filed on April 24, 2025, registration](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525092459/d926053d485bpos.htm)[statement (333-227783), as document number d892258d497.htm and hereby incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525092459/d926053d485bpos.htm)

Statement of Additional Information (SAI):

1)

[Nationwide Advisory Retirement Income Annuity Statement of Additional Information effective May 1, 2025 filed on](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525092459/d926053d485bpos.htm)[April 24, 2025, registration statement (333-227783), as document number d926053d485bpos.htm and hereby](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525092459/d926053d485bpos.htm)[incorporated by reference.](https://www.sec.gov/ix?doc=/Archives/edgar/data/1755596/000119312525092459/d926053d485bpos.htm)

------

**PART C. OTHER INFORMATION**

**Item 27. Exhibits**

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

[<u>Resolution of the Depositor's Board of Directors authorizing the establishment of the Registrant – Filed</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312518297555/d629862dex991.htm)[<u>previously with initial registration statement (333-227783) on October 11, 2018 as Exhibit (1) and hereby</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312518297555/d629862dex991.htm)[<u>incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312518297555/d629862dex991.htm)

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

Not Applicable.

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

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

[<u>Form of the Variable Annuity Contract – Filed previously with Pre-Effective Amendment No. 1 on February 14,</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b4.htm)[<u>2019 (File No. 333-227780) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b4.htm)

1)

[<u>Form of Return of Premium Death Benefit Option – Filed previously with Pre-Effective Amendment No. 1 on</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4h.htm)[<u>February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4h.htm)

2)

[<u>Form of Enhanced Surrender Value for Terminal Illness Endorsement – Filed previously with Pre-Effective</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4g.htm)[<u>Amendment No. 1 on February 14, 2019 (File No. 333-227780) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4g.htm)

3)

[<u>Form of Retirement Income Developer Option and Joint Option for Retirement Income Developer Option –</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4i.htm)[<u>Filed previously with Pre-Effective Amendment No. 1 on February 14, 2019 (File No. 333-227780) and</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4i.htm)[<u>hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038309/d676306dex9924b4i.htm)

4)

[<u>Form of Nationwide Lifetime Income Rider® Advisory (Nationwide L.incSM Advisory Option) and Joint</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519185084/d729704dex9924b4a.htm)[<u>Option for Nationwide L.incSM Advisory Option – Filed previously with Post-Effective Amendment No. 2 on</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519185084/d729704dex9924b4a.htm)[<u>June 28, 2019 (File No. 333-227780) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519185084/d729704dex9924b4a.htm)

5)

[<u>Form of Pro 4 Option and Joint Option for Pro 4 Option – Filed previously with Post-Effective Amendment</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312520246782/d25300dex99b4b.htm)[<u>No. 5 on September 16, 2020 (File No. 333-227783) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312520246782/d25300dex99b4b.htm)

6)

[<u>Form of Nationwide Lifetime Income Rider Plus Core Advisory ("L.inc Plus Core Advisory") Guaranteed</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d6.htm)[<u>Lifetime Withdrawal Benefit ("GLWB") and Joint Option for Nationwide Lifetime Income Rider Plus Core</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d6.htm)[<u>Advisory – Filed previously with Post-Effective Amendment No. 11 on August 9, 2023 (File No. 333-227283)</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d6.htm)[<u>and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d6.htm)

7)

[<u>Form of Nationwide Lifetime Income Rider Plus Accelerated Advisory ("L.inc Plus Accelerated Advisory")</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d7.htm)[<u>Guaranteed Lifetime Withdrawal Benefit ("GLWB") and Joint Option for Nationwide Lifetime Income Rider</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d7.htm)[<u>Plus Accelerated Advisory – Filed previously with Post-Effective Amendment No. 11 on August 9, 2023 (File</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d7.htm)[<u>No. 333-227283) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523206798/d468528dex9927d7.htm)

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

[<u>Form of Variable Annuity Application – Filed previously with Pre-Effective Amendment No. 1 on February 14,</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b5.htm)[<u>2019 (File No. 333-227780) and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b5.htm)

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

Depositor's Certificate 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>Articles of Merger of Nationwide Life Insurance Company of America with and into Nationwide Life</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6c.htm)[<u>Insurance Company, effective December 31, 2009. Filed previously with initial registration statement (333-</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6c.htm)[<u>164125) on January 4, 2010 as document "exhibit6c.htm" and hereby incorporated by reference.</u>](https://www.sec.gov/Archives/edgar/data/904817/000119090309001829/exhibit6c.htm)

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

Not Applicable.

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

Form of Participation Agreements –

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

------

1)

[<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)

2)

[<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)

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>Amended and Restated Fund Participation and Shareholder Services Agreement with American Century</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentfpa99h2.htm)[<u>Investment Services, Inc., as amended, dated September 15, 2004 with the registration statement under</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentfpa99h2.htm)[<u>333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document amcentfpa99h2.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentfpa99h2.htm)

5)

[<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)

6)

[<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)

7)

[<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.

8)

[<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)

9)

[<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)

10)

[<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)

11)

[<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)

12)

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

13)

This field is intentionally blank.

14)

This field is intentionally blank.

15)

[<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)

16)

[<u>Fund Participation Agreement with Goldman Sachs Variable Insurance Trust, and Goldman Sachs & Co.</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/goldmansachsfpa.htm)[<u>dated December 22, 1998 with the registration statement under 333-43671, post-effective amendment</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/goldmansachsfpa.htm)[<u>number 43 filed on April 12, 2011 as document goldmansachsfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/goldmansachsfpa.htm)

------

17)

[<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)

18)

[<u>Fund Participation Agreement with Waddell & Reed Services Company and Waddell and Reed, Inc. dated</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedfpa.htm)[<u>December 1, 2000 with the registration statement under 333-137202, pre-effective amendment number 3</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedfpa.htm)[<u>filed on September 27, 2007 as document waddellreedfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedfpa.htm)

19)

[<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)

20)

[<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)

21)

[<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)

22)

[<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)

23)

[<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)

24)

[<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)

25)

[<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)

26)

[<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)

27)

[<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)

28)

[<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)

29)

[<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)

30)

[<u>Fund Participation Agreement with Pioneer Variable Contracts Trust, Pioneer Investment Management, Inc.</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.htm)[<u>and Pioneer Funds Distributor, Inc., as amended, dated September 27, 2002 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.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/pioneerfpa.htm)[<u>pioneerfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.htm)

31)

[<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)

------

32)

[<u>Fund Participation Agreement with Redwood Investment Management, LLC, and Northern Lights</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b830.htm)[<u>Distributors, LLC dated November 1, 2018 with the registration statement under 333-227783, pre-effective</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b830.htm)[<u>amendment number 1 filed on February 13, 2019 as document redwoodfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519038305/d676306dex9924b830.htm)

33)

[<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)

34)

[<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)

35)

[<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)

36)

[<u>Fund Participation Agreement with The Universal Institutional Funds, Inc., Morgan Stanley & Co.</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univfpa99h16.htm)[<u>Incorporated, Morgan Stanley Investment Management Inc., as amended, dated February 1, 2002 with the</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univfpa99h16.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/univfpa99h16.htm)[<u>document univfpa99h16.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univfpa99h16.htm)

37)

[<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)

38)

[<u>Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly Gartmore Variable</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12a.htm)[<u>Insurance Trust, as amended. dated May 2, 2005 with the registration statement under 333-140608, pre-</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12a.htm)[<u>effective amendment number 1 filed on July 17, 2007 as document nwfpa99h12a.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwfpa99h12a.htm)

39)

[<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)

40)

[<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)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(41) [<u>Letter Agreement between MFS Fund Distributors, Inc. ("MFD") and Nationwide Financial Services, Inc.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)[<u>dated May 2, 2011 with the registration statement under 333-227783, post-effective amendment number 3</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)[<u>filed on September 9, 2019 as document d737458dex9924b39.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(42) [<u>Nationwide Financial Services, Inc. and Probabilities Fund Management LLC, dated June 7, 2018 with the</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b40.htm)[<u>registration statement under 333-227783, post-effective amendment number 3 filed on September 9, 2019</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b40.htm)[<u>as document d737458dex9924b40.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b40.htm)

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

Form of Administrative Contracts –

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

1)

[<u>Administrative Services Agreement with Alliance Fund Distributors, Inc. dated June 3, 2003 with the</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinasa.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/alliancebernsteinasa.htm)[<u>as document alliancebersteinasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/alliancebernsteinasa.htm)

2)

[<u>Amended and Restated Fund Participation and Shareholder Services Agreement with American Century</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentasa99i2.htm)[<u>Investment Services, Inc., as amended, dated September 15, 2004 with the registration statement under</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentasa99i2.htm)[<u>333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document amcentasa99i2.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/amcentasa99i2.htm)

3)

[<u>Business Agreement with American Funds Insurance Series, as amended, dated July 20, 2005 with the</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/americanfundsasa.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/americanfundsasa.htm)[<u>as document americanfundsasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/americanfundsasa.htm)

4)

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

------

5)

&nbsp;&nbsp;&nbsp;&nbsp;[<u>(Calvert) Administrative Service Agreement between Nationwide Financial Services, Inc. and Eaton Vance</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i6.htm)[<u>Management, as amended, dated January 1, 2017 with the registration statement under 333-177439, post-</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i6.htm)[<u>effective amendment number 42 filed on April 25, 2024 as document d777109dex99i6.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i6.htm) Portions of this exhibit have been redacted.

6)

[<u>Administrative Service Agreement with Columbia Funds Variable Series Trust II, dated December 7, 2015</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312521138641/d103290dex99i4.htm)[<u>with the registration statement under 333-177439, post-effective amendment number 34 filed on April 29,</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312521138641/d103290dex99i4.htm)[<u>2021 as document d103290dex99i4.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312521138641/d103290dex99i4.htm) Portions of this exhibit have been redacted.

7)

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

8)

[<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 DFA 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)

9)

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

10)

[<u>Service Agreement between Fidelity Investments Institutional Operations Company LLC and Nationwide</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i13.htm)[<u>Investment Services Corporation dated October 11, 2023 with the registration statement under 333-177439,</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i13.htm)[<u>post-effective amendment number 42 as document d777109dex99i13.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i13.htm) Portions of this exhibit have been redacted.

11)

[<u>Service Contract between Fidelity Distributors Company LLC and Nationwide Investment Services</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i14.htm)[<u>Corporation dated October 18, 2023 with the registration statement under 333-177439, post-effective</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i14.htm)[<u>amendment number 42 as document d777109dex99i14.htm.</u>](https://www.sec.gov/Archives/edgar/data/356514/000119312524111482/d777109dex99i14.htm) Portions of this exhibit have been redacted.

12)

[<u>Administrative Services Agreement with Franklin Templeton Services, LLC, as amended dated May 1, 2003</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankasa99i6.htm)[<u>with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankasa99i6.htm)[<u>as document frankasa99i6.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/frankasa99i6.htm)

13)

[<u>Agreement with Goldman, Sachs & Co. dated January 6, 1999 with the registration statement under 333-</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/goldmansachsasa.htm)[<u>43671, post-effective amendment number 43 filed on April 12, 2011 as document goldmansachsasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/goldmansachsasa.htm)

14)

[<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)

15)

[<u>Administrative Services Agreement with AIM Advisors, Inc. dated July 1, 2005 with the registration</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/aimasa99i1a.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/aimasa99i1a.htm)[<u>aimasa99i1a.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/aimasa99i1a.htm)

16)

[<u>Financial Support Agreement with AIM Distributors, Inc. dated July 1, 2005 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/aimasa99i1b.htm)[<u>under 333-140608, pre-effective amendment number 1 filed on July 17, 2007 as document aimasa99i1b.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/aimasa99i1b.htm)

17)

[<u>Administrative Services Agreement with Waddell & Reed, Inc., as amended dated December 1, 2000 with</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedasa.htm)[<u>the registration statement under 333-137202, pre-effective amendment number 3 filed on September 27,</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedasa.htm)[<u>2007 as document waddellreedasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/waddellreedasa.htm)

18)

[<u>Distribution and Shareholder Services Agreement with Janus Distributors, Inc. dated December 31, 1999</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusasa99i7.htm)[<u>with the registration statement under 333-140608, pre-effective amendment number 1 filed on July 17, 2007</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusasa99i7.htm)[<u>as document janusasa99i7.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/janusasa99i7.htm)

19)

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

20)

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

------

21)

[<u>Letter Agreement between MFS Fund Distributors, Inc. ("MFD") and Nationwide Financial Services, Inc.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)[<u>dated January 30, 2013 with the registration statement under 333-227783, post-effective amendment</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)[<u>number 3 filed on September 9, 2019 as document d737458dex9924b39.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312519240641/d737458dex9924b39.htm)

22)

[<u>Administrative Services Agreement with Morgan Stanley Distribution, Inc. (The Universal Institutional Funds,</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univasa99i14.htm)[<u>Inc.), as amended dated May 5, 2005 with the registration statement under 333-140608, pre-effective</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univasa99i14.htm)[<u>amendment number 1 filed on July 17, 2007 as document univasa99i14.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/univasa99i14.htm)

23)

[<u>Fund Participation Agreement with Nationwide Variable Insurance Trust (formerly, Gartmore Variable</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwasa99i10.htm)[<u>Insurance Trust), as amended dated May 2, 2005 with the registration statement under 333-140608, pre-</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwasa99i10.htm)[<u>effective amendment number 1 filed on July 17, 2007 as document nwasa99i10.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/nwasa99i10.htm)

24)

[<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)

25)

[<u>Service Agreement with Northern Lights Variable Trust. dated February 8, 2012 with the registration</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312513162459/d470080dex99i24.htm)[<u>statement under 333-155153, post-effective amendment number 6 filed on April 19, 2013 as document</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312513162459/d470080dex99i24.htm)[<u>d470080dex99i24.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119312513162459/d470080dex99i24.htm)

26)

[<u>Administrative Services Agreement with Pacific Investment Management Company LLC, as amended dated</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcoasaa.htm)[<u>March 28, 2002 with the registration statement under 333-137202, pre-effective amendment number 3 filed</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcoasaa.htm)[<u>on September 27, 2007 as document pimcoasaa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pimcoasaa.htm)

27)

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

28)

[<u>Fund Participation Agreement with Pioneer Variable Contracts Trust, Pioneer Investment Management, Inc.</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.htm)[<u>and Pioneer Funds Distributor, Inc., as amended, dated September 27, 2002 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.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/pioneerfpa.htm)[<u>pioneerfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/pioneerfpa.htm)

29)

[<u>Administrative Services Agreement with Putnam Retail Management Limited Partnership, as amended</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamasa.htm)[<u>dated August 1, 2006 with the registration statement under 333-137202, pre-effective amendment number 3</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamasa.htm)[<u>filed on September 27, 2007 as document putnamasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/putnamasa.htm)

30)

[<u>Administrative Services Letter Agreement with T. Rowe Price Associates, Inc. and T. Rowe Price</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/troweasa99i13.htm)[<u>International, Inc., as amended dated October 1, 2002 with the registration statement under 333-140608,</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/troweasa99i13.htm)[<u>pre-effective amendment number 1 filed on July 17, 2007 as document troweasa99i13.htm</u>](https://www.sec.gov/Archives/edgar/data/1313581/000119090307000837/troweasa99i13.htm)

31)

[<u>Administrative Services Agreement with Van Eck Securities Corporation, as amended dated November 3,</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckasa.htm)[<u>1997 with the registration statement under 333-137202, pre-effective amendment number 3 filed on</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckasa.htm)[<u>September 27, 2007 as document vaneckasa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090307000950/vaneckasa.htm)

32)

[<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, as amended dated February 28, 2008 with the registration statement</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)[<u>under 333-43671, post-effective amendment number 43 filed on April 12, 2011 as document</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)[<u>vanguardfpa.htm</u>](https://www.sec.gov/Archives/edgar/data/1041357/000119090311000292/vanguardfpa.htm)

33)

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

34)

[<u>Service Agreement with ALPS Advisor, Inc., ALPS Portfolio Solutions Distributor, Inc. and ALPS Variable</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i32.htm)[<u>Investment Trust dated October 10, 2013, as amended, with registration statement under 333-227783, post-</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i32.htm)[<u>effective amendment 9 filed on December 1, 2021 as document d145743dex99i32.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i32.htm) Portions of this exhibit have been redacted.

35)

[<u>Administrative Service Agreement with Fred Alger Management, Inc. and Fred Alger & Company</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i33.htm)[<u>Incorporated dated October 1, 2004, as amended, with registration statement under 333-227783, post-</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i33.htm)[<u>effective amendment 9 filed on December 1, 2021 as document d145743dex99i33.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i33.htm) Portions of this exhibit have been redacted.

------

36)

[<u>Administrative Service Agreement with FEF Distributors, LLC dated November 1, 2018 with registration</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i34.htm)[<u>statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as document</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i34.htm)[<u>d145743dex99i34.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i34.htm) Portions of this exhibit have been redacted.

37)

[<u>Administrative Service Agreement with John Hancock Investment Management Services, LLC dated</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i35.htm)[<u>November 1, 2018 with registration statement under 333-227783, post-effective amendment 9 filed on</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i35.htm)[<u>December 1, 2021 as document d145743dex99i35.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i35.htm) Portions of this exhibit have been redacted.

38)

[<u>Administrative Service Agreement with Legg Mason Investor Services, LLC dated July 11, 2008, as</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i36.htm)[<u>amended, with registration statement under 333-227783, post-effective amendment 9 filed on December 1,</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i36.htm)[<u>2021 as document number d145743dex99i36.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i36.htm) Portions of this exhibit have been redacted.

39)

&nbsp;&nbsp;&nbsp;&nbsp;[<u>(MainStay) Administrative Service Agreement with New York Life Investment Management LLC and NYLIFE</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i37.htm)[<u>Distributors LLC dated May 1, 2016, as amended, with registration statement under 333-227783, post-</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i37.htm)[<u>effective amendment 9 filed on December 1, 2021 as document number d145743dex99i37.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i37.htm) Portions of this exhibit have been redacted.

40)

[<u>Administrative Service Agreement with Redwood Investment Management LLC dated November 1, 2018</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i38.htm)[<u>with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i38.htm)[<u>document number d145743dex99i38.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i38.htm) Portions of this exhibit have been redacted.

41)

&nbsp;&nbsp;&nbsp;&nbsp;[<u>(Virtus) Administrative Service Agreement with VP Distributors, LLC dated October 1, 2018, as amended,</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i39.htm)[<u>with registration statement under 333-227783, post-effective amendment 9 filed on December 1, 2021 as</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i39.htm)[<u>document number d145743dex99i39.htm.</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312521344515/d145743dex99i39.htm) Portions of this exhibit have been redacted.

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

Not Applicable.

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

[<u>Opinion of Counsel – Filed previously with initial registration statement (333-227783) filed on October 11, 2018</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312518297555/d629862dex999.htm)[<u>as document d629862dex999.htm</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312518297555/d629862dex999.htm)

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

[Consent of Independent Registered Public Accounting Firm – Attached hereto.](d63102dex99l.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 Post-Effective Amendment No. 12 on October 23,</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523260338/d562032dex9927o.htm)[<u>2023 (333-227783) and hereby incorporated by reference</u>](https://www.sec.gov/Archives/edgar/data/1755596/000119312523260338/d562032dex9927o.htm).

99)

[Power of Attorney – Attached hereto.](d63102dex9999.htm)

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

The business address of the Directors and Officers of the Depositor is:

One Nationwide Plaza, Columbus, Ohio 43215

---

| | |
|:---|:---|
| President and Chief Operating Officer and Director | Carter, John L.  |
| 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 and 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-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-Operations – Property & Casualty | Gaetano, Mark A. |
| 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-Nationwide Annuity and Director | Hawley, Craig A.  |
| 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 Anthony |
| Senior Vice President-Marketing – Enterprise Brand Strategy & Activation | Jackson, Richard W. |
| Senior Vice President-PL Product and Underwriting | Jacobs, Sarah E. |
| Senior Vice President-Investment Management Group | Jestice, Kevin T.  |
| Senior Vice President-E&S/Specialty and Commercial Lines | Johnston, Russell Mark |
| Senior Vice President-Chief Innovation and Digital Officer | Kandhari, Chetan D.  |
| Senior Vice President-Property & Casualty Commercial Lines | Kempton, Casey Ellen |
| Senior Vice President-Chief Technology Officer – Technology Strategy, Data & <br> Innovation<br>| Kolp, Melanie A. |
| Senior Vice President-Chief Technology Officer – Corporate Technology | Kuamoo, Misty Claire |
| Senior Vice President-Business Performance – Property & Casualty | Kyung, Jennifer |
| Senior Vice President  | LaPaul, David |
| Senior Vice President-Nationwide Agribusiness | Liggett, Brad Ray |
| Senior Vice President-Programs & Alternative Risk – E&S/Specialty | Lopes, John Santos |
| 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-Contract & Brokerage Underwriting – E&S/Specialty | Nelson, David Neil |
| Senior Vice President-Corporate Development and Finance | O'Brien, Kevin G.  |
| Senior Vice President-Corporate Solutions | Perez, Juan 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-World-Class Underwriting Project Executive | Riczko, Elizabeth Margaret |
| 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 Legal and Corporate Secretary | Skingle, Denise L. |
| Senior Vice President-Nationwide Life and Director | Snyder, Holly R.  |
| Senior Vice President-Total Rewards | Sonneman, Christopher P. |
| Senior Vice President-Retirement Solutions | Stevenson, Eric Ray |
| Senior Vice President-Commercial Lines – Middle Market | Talkowski, Kristina Marie |
| Senior Vice President-Personal Lines Sales & Distribution | Tripp, Michael |
| 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 Middleton |
| 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 or <br> distribute life insurance, long-term savings and retirement <br> products.<br>|
| NFS Distributors, Inc. | Delaware | &nbsp;&nbsp; The company acts primarily as a holding company for <br> Nationwide Financial Services, Inc. companies.<br>|
| Nationwide Financial General Agency, Inc. | Pennsylvania | The company is a multi-state licensed insurance agency. |
| Nationwide Fund Distributors, LLC | Delaware | The company is a limited purpose broker-dealer. |
| Nationwide Fund Management, LLC | Delaware | &nbsp;&nbsp; The company provides administration, transfer and <br> dividend disbursing agent services to various mutual fund <br> entities. <br>|
| Nationwide Retirement Solutions, Inc. | Delaware | &nbsp;&nbsp; The company markets and administers deferred <br> compensation plans for public employees.<br>|
| 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>|
| 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>|
| 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 the <br> assets of the trust<br>|
| 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>|
| 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>|
| Jefferson National Life Insurance Company<sup>2,3</sup> <br>| Texas | The company provides life, health and annuity products. |
| Jefferson National Life Annuity Company C<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| Jefferson National Life Annuity Account E<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| Jefferson National Life Annuity Account F<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| Jefferson National Life Annuity Account G<sup>2,3</sup> <br>|  | A separate account issuing variable annuity products. |
| Nationwide Jefferson National VA Separate <br> Account 1<sup>2,3</sup> <br>| New York | A separate account issuing variable annuity products. |
| MFS Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Multi-Flex Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-II<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-3<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-4<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-5<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-6<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-7<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-8<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-9<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-10<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-11<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |

---

------

---

| | | |
|:---|:---|:---|
| **Company** | &nbsp;&nbsp; **Jurisdiction**<br> **of Domicile**<br>| **Brief Description of Business** |
| Nationwide Variable Account-12<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-13<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-14<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Variable Account-15<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Provident VA Separate Account 1<sup>2,3</sup> <br>| Pennsylvania | A separate account issuing variable annuity contracts. |
| Nationwide VLI Separate Account<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-2<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-3<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-4<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-5<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-6<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VLI Separate Account-7<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide Provident VLI Separate Account 1<sup>2,3</sup> <br>| Pennsylvania | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| 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 sponsors <br> and its participants. <br>|
| Nationwide Financial Assignment Company<sup>3</sup> <br>| Ohio | &nbsp;&nbsp; The company is an administrator of structured <br> settlements.<br>|
| Nationwide Investment Advisors, LLC<sup>3</sup> <br>| Ohio | The company provides investment advisory services. |
| Eagle Captive Reinsurance, LLC<sup>3</sup> <br>| Ohio | The company is engaged in the business of insurance |
| 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>|
| Nationwide VA Separate Account-A<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide VA Separate Account-B<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide VA Separate Account-C<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide VA Separate Account-D<sup>2,3</sup> <br>| Ohio | A separate account issuing variable annuity contracts. |
| Nationwide Provident VA Separate Account <br> A<sup>2,3</sup> <br>| Delaware | A separate account issuing variable annuity contracts. |
| Nationwide VL Separate Account-C<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VL Separate Account-D<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide VL Separate Account-G<sup>2,3</sup> <br>| Ohio | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Nationwide Provident VLI Separate Account <br> A<sup>2,3</sup> <br>| Delaware | &nbsp;&nbsp; A separate account issuing variable life insurance <br> policies.<br>|
| Olentangy Reinsurance, LLC<sup>3</sup> <br>| Vermont | The company is a captive life reinsurance company. |
| Nationwide SBL, LLC | Ohio | &nbsp;&nbsp; The company is a lender offering securities-back lines of <br> credit.<br>|
| 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>|
| 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 |

---

------

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

b)

Directors and Officers of NISC:

---

| | |
|:---|:---|
| President and Director | Ambrozy, Tina S.  |
| 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 | Hawley, Craig A. |
| Director | Stevenson, Eric |

---

The business address of the Directors and Officers of NISC is:

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

Nationwide Life Insurance Company

One Nationwide Plaza

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 meets the requirements of Rule 485(b) under the Securities Act of 1933 for effectiveness of the Registration Statement and 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 June 30, 2025.

---

| |
|:---|
| **Nationwide Variable Account-15** |
| (Registrant) |
| By: /s/ John L. Carter\* |
| John L. Carter<br> President and Chief Operating Officer<br>|
| **Nationwide Life Insurance Company** |
| (Depositor) |
| By: /s/ John L. Carter\* |
| John L. Carter<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 June 30, 2025.

---

| | |
|:---|:---|
| /s/ JOHN L. CARTER\* |  |
| John L. Carter, President and Chief Operating Officer <br> and Director (Principal Executive Officer)<br>|  |
| /s/ HOLLY R. SNYDER\* |  |
| Holly R. Snyder, Senior Vice President and Director |  |
| /s/ TIMOTHY G. FROMMEYER\* |  |
| Timothy G. Frommeyer, Executive Vice President and <br> Director<br>|  |
| /s/ CRAIG A. HAWLEY\* |  |
| Craig A. Hawley, Senior Vice President-Nationwide <br> Annuity and Director<br>|  |
| /s/ STEVEN A. GINNAN\* |  |
| Steven A. Ginnan, Senior Vice President-Chief Financial <br> Officer-Nationwide Financial and Director<br> (Chief Financial Officer)<br>|  |
| /s/ 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>|

---

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## 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 Variable Account-15, 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. 333-227783 and is incorporated by reference herein.

/s/ KPMG LLP

Columbus, Ohio <br>June 27, 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. 333-227783 and is incorporated by reference herein.

/s/ KPMG LLP

Columbus, Ohio <br>June 27, 2025

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## 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:

---

| | |
|:---|:---|
| **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>| &nbsp;&nbsp;&nbsp;&nbsp; Monument Advisor NY & Monument Advisor Select NY (1933 <br> Act # TBD)<br>|
| 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>|

---

------

---

| | |
|:---|:---|
| **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>|

---

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

---

| | |
|:---|:---|
| **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, 333-278508, <br> 333-278509, 333-286416<br>|

---

hereby constitute and appoint John L. Carter, Steven A. Ginnan, Craig A. Hawley, Holly 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 10<sup>th</sup> day of June, 2025.

---

| | |
|:---|:---|
| /s/ John L. Carter | /s/ Craig A. Hawley |
| JOHN L. CARTER, Director and Officer | CRAIG A. HAWLEY, Director and Officer |
| /s/ Timothy G. Frommeyer | /s/ Holly R. Snyder |
| TIMOTHY G. FROMMEYER, Director and Officer | HOLLY R. SNYDER, Director and Officer |
| /s/ Steven A. Ginnan | /s/ Kirt A. Walker |
| STEVEN A. GINNAN, Director and Officer | KIRT A. WALKER, Director |
| /s/ James D. Benson |  |
| JAMES D. BENSON, Officer |  |

---

------