Accumulation Unit – An accounting unit of measure used to calculate the Contract Value allocated to the Variable Account before the Annuitization Date. |
Annuitant – The person(s) whose length of life determines how long annuity payments are paid. The Annuitant must be living on the date the contract is issued. |
Annuitization Date – The date on which annuity payments begin. |
Annuity Commencement Date – The date on which annuity payments are scheduled to begin. |
Annuity Unit – An accounting unit of measure used to calculate the value of variable annuity payments. |
Charitable Remainder Trust – A trust meeting the requirements of Section 664 of the Internal Revenue Code. |
Co-Annuitant – The person designated by the Contract Owner to receive the benefit associated with the Spousal Protection Feature. |
Contingent Annuitant – The individual who becomes the Annuitant if the Annuitant dies before the Annuitization Date. |
Contract Anniversary – Each recurring one-year anniversary of the date the contract was issued. |
Contract Owner(s) – The person(s) who owns all rights under the contract. |
Contract Value – The value of all Accumulation Units in a contract. |
Contract Year – Each year the contract is in force beginning with the date the contract is issued. |
Daily Net Assets – A figure that is calculated at the end of each Valuation Date and represents the sum of all the Contract Owners interests in the Sub-Accounts after the deduction of underlying mutual fund expenses. |
Individual Retirement Account – An account that qualifies for favorable tax treatment under Section 408(a) of the Internal Revenue Code, but does not include Roth IRAs. |
Individual Retirement Annuity or IRA – An annuity contract that qualifies for favorable tax treatment under Section 408(b) of the Internal Revenue Code, but does not include Roth IRAs or Simple IRAs. |
Investment-Only Contract – A contract purchased by a qualified pension, profit-sharing, or stock bonus plan as defined by Section 401(a) of the Internal Revenue Code. |
Nationwide – Nationwide Life Insurance Company. |
Net Asset Value – The value of one share of an underlying mutual fund at the close of regular trading on the New York Stock Exchange. |
Non-Qualified Contract – A contract which does not qualify for favorable tax treatment as a Qualified Plan, IRA, Roth IRA, SEP IRA, Simple IRA, or Tax Sheltered Annuity. |
Qualified Plan – A retirement plan that receives favorable tax treatment under Section 401 of the Internal Revenue Code, including Investment-Only Contracts. In this prospectus, all provisions applicable to Qualified Plans also apply to Investment-Only Contracts unless specifically stated otherwise. |
Quarterly Contract Anniversary – Each recurring three-month anniversary of the date the contract was issued. |
Roth IRA – An annuity contract that qualifies for favorable tax treatment under Section 408A of the Internal Revenue Code. |
SEC – Securities and Exchange Commission. |
SEP IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(k) of the Internal Revenue Code. |
Service Center – The department of Nationwide responsible for receiving all service and transaction requests relating to the contract. For service and transaction requests submitted other than by telephone (including fax requests), the Service Center is Nationwide's mail and document processing facility. For service and transaction requests communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to contact the Service Center is in the Contacting the Service Center provision. |
Simple IRA – An annuity contract which qualifies for favorable tax treatment under Section 408(p) of the Internal Revenue Code. |
Sub-Accounts – Divisions of the Variable Account, each of which invests in a single underlying mutual fund. |
Tax Sheltered Annuity – An annuity that qualifies for favorable tax treatment under Section 403(b) of the Internal Revenue Code. |
Valuation Date – Each day the New York Stock Exchange is open for business or any other day during which there is a sufficient degree of trading such that the current Net Asset Value of the underlying mutual fund shares might be materially affected. Values of the Variable Account are determined as of the close of regular trading on the New York Stock Exchange, which generally closes at 4:00 p.m. EST. |
Valuation Period – The period of time commencing at the close of a Valuation Date and ending at the close of regular trading on the New York Stock Exchange for the next succeeding Valuation Date. |
Variable Account – Nationwide Variable Account-4, a separate account that Nationwide established to hold Contract Owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of which invests in a separate underlying mutual fund. |
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FEES AND EXPENSES (see Fee Table and Charges and Decutions) |
Charges for Early Withdrawals |
If the Contract Owner withdraws money from the contract within 5 years following his/her last purchase payment, a Contingent Deferred Sales Charge (or "CDSC") may apply (see Contingent Deferred Sales Charge). The CDSC is used to recoup sales and other expenses associated with the contract that Nationwide incurs during the early years of the contract. The CDSC will not exceed declining to 0% over For example, for a contract with a $100,000 investment, a withdrawal taken during the CDSC period could result in a CDSC of up to $ |
Ongoing Fees and Expenses (annual charges) |
The table below describes the fees and expenses that you may pay each year, depending on the options chosen. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. | ||
Annual Fee |
Minimum |
Maximum | |
Base Contract |
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Investment options (underlying mutual fund fees and expenses) |
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Optional benefits available for an additional charge (for a single optional benefit, if elected) |
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Because each contract is customizable, the options elected affect how much each Contract Owner will pay. To help you understand the cost of owning the contract, the following table shows the lowest and highest cost a Contract Owner could pay each year, based on current charges. This estimate assumes that no withdrawals are taken from the contract, which could add a CDSC that substantially increases costs. | |||
Lowest Annual Cost Estimate: $ |
Highest Annual Cost Estimate: $ | ||
Assumes: • Investment of $100,000 • 5% annual appreciation • Least expensive underlying mutual fund fees and expenses • No optional benefits • No CDSC • No additional purchase payments, transfers or withdrawals |
Assumes: • Investment of $100,000 • 5% annual appreciation • Most expensive combination of optional benefits and underlying mutual fund fees and expenses • No CDSC • No additional purchase payments, transfers or withdrawals |
RISKS | |
Risk of Loss |
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Not a Short-Term Investment |
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RISKS |
Risks Associated with Investment Options |
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Insurance Company Risks |
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RESTRICTIONS | |
Investments |
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Optional Benefits |
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TAXES | |
Tax Implications |
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CONFLICTS OF INTEREST | |
Investment Professional Compensation |
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Exchanges |
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Transaction Expenses | |
Maximum Contingent Deferred Sales Charge ("CDSC") (as a percentage of purchase payments surrendered) |
|
Number of Completed Years from Date of Purchase Payment |
0 |
1 |
2 |
3 |
4 |
5+ |
CDSC Percentage |
7% |
7% |
6% |
5% |
3% |
0% |
Annual Contract Expenses | |
Maximum Administrative Expense1 |
$ |
Base Contract Expenses2 (assessed as an annualized percentage of Daily Net Assets) |
|
Optional Benefit Expenses3 (assessed as an annualized percentage of Daily Net Assets) |
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No CDSC Option ("C Schedule Option") Charge |
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Optional Death Benefits5 |
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Highest Anniversary Enhanced Death Benefit Option Charge |
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Return of Premium Enhanced Death Benefit Option Charge |
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Annual Underlying Mutual Fund Expenses | ||
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Minimum |
Maximum |
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If the contract is surrendered at the end of the applicable time period |
If the contract is annuitized at the end of the applicable time period |
If the contract is not surrendered | |||||||||
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1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
1 Yr. |
3 Yrs. |
5 Yrs. |
10 Yrs. |
Maximum Annual Underlying Mutual Fund Expenses (4.26%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
Minimum Annual Underlying Mutual Fund Expenses (0.32%) |
$ |
$ |
$ |
$ |
* |
$ |
$ |
$ |
$ |
$ |
$ |
$ |
Number of Completed Years from Date of Purchase Payment |
0 |
1 |
2 |
3 |
4 |
5+ |
CDSC Percentage |
7% |
7% |
6% |
5% |
3% |
0% |
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Maximum Fee |
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Maximum Fee |
Current Fee |
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Net Assets) |
Net Assets) |
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Net Assets) |
Net Assets) |
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Net Assets) |
Net Assets) |
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Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the standard death benefit. On the date of Ms. P’s death, her Contract Value = $24,000. The death benefit for Ms. P’s contract will equal $24,000. |
Example: |
Mr. V, who has owned his contract for 4 years, was recently diagnosed with a terminal illness and wishes to surrender his contract. Under the Enhanced Surrender Value for Terminal Illness, assuming all conditions were met, upon surrender of the contract, Nationwide will pay Mr. V his Contract Value and an additional amount necessary to equal the death benefit that Mr. V elected. |
Example: |
Mr. B elected the C Schedule Option at the time of application. No withdrawals that Mr. B takes from the contract will be assessed a CDSC. |
Example: |
For an example of how the Highest Anniversary Enhanced Death Benefit Option is calculated, see Appendix D: Highest Anniversary Enhanced Death Benefit Option Example |
A x F + B x (1 - F) Where: | |||
A |
= |
The greatest of: | |
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(1) |
the Contract Value; |
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(2) |
the total of all purchase payments made to the contract, less an adjustment for amounts withdrawn; and |
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(3) |
the highest Contract Value on any Contract Anniversary before the Annuitant's 80th birthday, less an adjustment for amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
B |
= |
the Contract Value; | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the Highest Anniversary Enhanced Death Benefit Option. On the date of Ms. P’s death, her Contract Value = $3,500,000, her total purchase payments = $4,000,000, and A = $4,300,000. Therefore, F = $3,000,000 / $4,000,000 or 0.75, and the death benefit for Ms. P’s contract is determined as follows: |
(A x F) + B(1 - F), which is |
($4,300,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,225,000 + $875,000 |
The death benefit for Ms. P’s contract is $4,100,000. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the Return of Premium Enhanced Death Benefit Option. On the date of Ms. P’s death, her Contract Value = $24,000 and her total purchase payments (adjusted for amounts withdrawn) = $26,000. The death benefit for Ms. P’s contract will equal $26,000. |
(A x F) + B(1 - F), where | |||
A |
= |
the greater of: | |
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(1) |
the Contract Value; or |
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(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn. |
B |
= |
the Contract Value; and | |
F |
= |
the ratio of $3,000,000 to the total of all purchase payments made to the contract. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. She has elected the Return of Premium Enhanced Death Benefit Option. On the date of Ms. P’s death, her Contract Value = $3,500,000, her total purchase payments (adjusted for amounts withdrawn) = $4,000,000, and F = $3,000,000 / $4,000,000 or 0.75. The death benefit for Ms. P’s contract is determined as follows: |
(A x F) + B(1 - F), which is |
($4,000,000 x 0.75) + $3,500,000(1 - 0.75), which is |
$3,000,000 + $875,000 |
The death benefit for Ms. P’s contract is $3,875,000. |
Example: |
On June 1, which is before her Annuitization Date, Ms. P passes away. Her death benefit contains the Spousal Protection Feature. The death benefit on Ms. P’s contract equals $24,000. |
Ms. P was married to Mr. P at the time of her death. Under the Spousal Protection Feature, assuming all conditions were met, Mr. P has the option, instead of receiving the $24,000 death benefit, to continue the contract as if it were his own. If he elects to do so, the Contract Value, if it is lower than $24,000, will be adjusted to equal the $24,000 death benefit. From that point forward, the contract will be his and all provisions of the contract apply. Upon Mr. P’s death, his beneficiary will then receive a death benefit equal to the elected death benefit under the contract. |
Trading Behavior |
Nationwide's Response |
Six or more transfer events within one calendar quarter |
Nationwide will mail a letter to the Contract Owner notifying them that: (1)they have been identified as engaging in harmful trading practices; and (2)if their transfer events total 11 within two consecutive calendar quarters or 20 within one calendar year, the Contract Owner will be limited to submitting transfer requests via U.S. mail on a Nationwide issued form. |
11 transfer events within two consecutive calendar quarters OR 20 transfer events within one calendar year |
Nationwide will automatically limit the Contract Owner to submitting transfer requests via U.S. mail on a Nationwide issued form. |
Example: |
Mr. C elects to participate in Asset Rebalancing and has instructed his Contract Value be allocated as follows: 40% to Sub-Account A, 40% to Sub-Account B, and 20% to Sub- Account C. Mr. C elects to rebalance quarterly. Each quarter, Nationwide will automatically rebalance Mr. C’s Contract Value by transferring Contract Value among the three elected Sub-Accounts so that his 40%/40%/20% allocation remains intact. |
Example: |
Ms. T elects to participate in Dollar Cost Averaging and has transferred $25,000 to an eligible Sub-Account (Sub-Account S) that will serve as the source investment option for her Dollar Cost Averaging program. She would like the Dollar Cost Averaging transfers to be allocated as follows: $500 to Sub-Account L and $1,000 to Sub-Account M. Each month, Nationwide will automatically transfer $1,500 from Sub-Account S and allocate $1,000 to Sub-Account M and $500 to Sub-Account L. |
Example: |
Mr. Y’s Contract Value equals $100,000. He elects to participate in the Nationwide Guided Portfolio Strategies, choosing GPS X (which is comprised of 50% Sub-Account A and 50% Sub-Account B). Once implemented, Mr. Y’s allocations will be as follows: Sub-Account A: $50,000 (50% of Contract Value), and Sub-Account B: $50,000 (50% of Contract Value). |
Contract Owner's Age |
Percentage of Contract Value |
Under age 59½ |
5 % |
59½ through age 61 |
7 % |
62 through age 64 |
8 % |
65 through age 74 |
10 % |
75 and over |
13 % |
Example: |
Ms. H elects to take Systematic Withdrawals equal to $5,000 on a quarterly basis. She has not directed that the withdrawals be taken from specific Sub-Accounts, so each quarter, Nationwide will withdraw $5,000 from Ms. H’s contract proportionally from each Sub- Account, and will mail her a check or wire the funds to the financial institution of her choice. |
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Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2020 Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2017 Investment Advisor: |
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Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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(formerly, Calvert Variable Products, Inc. - Calvert VP Nasdaq 100 Index Portfolio: Class F) Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Series: Service Class) Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2019 Investment Advisor: |
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- |
- |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2018 Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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Investment Advisor: |
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Asset Strategy: Class II) This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2017 Investment Advisor: Subadvisor: |
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Class II) This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2020 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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ClearBridge Variable Aggressive Growth Portfolio: Class II) This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2020 Investment Advisor: Subadvisor: |
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Investment Advisor: Subadvisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before April 26, 2024 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before April 26, 2024 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before April 26, 2024 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: Subadvisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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- |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2020 Investment Advisor: |
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Investment Advisor: |
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Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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Investment Advisor: |
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This underlying mutual fund is no longer available to receive transfers or new purchase payments effective September 11, 2020 Investment Advisor: Subadvisor: |
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This underlying mutual fund is no longer available to receive transfers or new purchase payments effective October 16, 2020 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2024 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2020 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2023 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2024 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2021 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2017 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2019 Investment Advisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: Subadvisor: |
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This underlying mutual fund is only available in contracts for which good order applications were received before May 1, 2022 Investment Advisor: |
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State |
State Law Variations |
California |
• The Long-Term Care/Nursing Home and Terminal Illness Waiver is not available. • The Enhanced Surrender Value for Terminal Illness Waiver is not available. • "Contingent Deferred Sales Charge" is referred to as "Surrender Charge." • The Return of Premium Enhanced Death Benefit Option and Highest Anniversary Enhanced Death Benefit Option will not automatically terminate if the Contract Owner is changed or the Contract is assigned. |
Connecticut |
For Contracts issued before 9/11/2017: • The Long-Term Care/Nursing Home and Terminal Illness Waiver is only available after the second Contract Anniversary. • "Long-Term Care" is referred to as "Confinement." • The Standard Death Benefit (Return of Contract Value), Highest Anniversary Enhanced Death Benefit Option, and the Return of Premium Enhanced Death Benefit Option will not automatically terminate if the Contract Owner is changed or the Contract is assigned. |
Florida |
• The Annuity Commencement Date must be at least one year after the date the contract is issued. |
New York |
• The Annuity Commencement Date must be at least one year after the date the contract is issued. |
Date |
Event/Transaction Type |
Transaction Amount |
Contract Value* |
01-01-1986 |
Initial Purchase Payment |
$100,000 |
$100,000 |
01-01-1990 |
Partial Withdrawal |
$10,000 |
$106,678 |
01-01-1992 |
Contract Anniversary |
n/a |
$106,678 |
03-01-1996 |
Annuitant’s 80th birthday |
n/a |
$90,326 |
02-01-2009 |
Annuitant’s death and the date Nationwide received information to pay the death benefit |
n/a |
$97,113 |
(1) |
the Contract Value; |
$97,113 |
(2) |
the total of all purchase payments, less an adjustment for amounts withdrawn; or |
$91,429 |
(3) |
the highest Contract Value on any Contract Anniversary prior to the Annuitant's 80th birthday, less an adjustment for amounts subsequently withdrawn, plus purchase payments received after that Contract Anniversary. |
$106,678 |
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President and Chief Operating Officer and Director |
Carter, John L. |
Executive Vice President-Chief Human Resources Officer |
Clements, Vinita J. |
Executive Vice President-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 Marketing Officer |
Jones, Ramon |
Executive Vice President-Chief Customer, Strategy and Innovation Officer |
Mahaffey, Michael W. |
Executive Vice President-Chief Transformation Officer |
Shore, Amy T. |
Senior Vice President-NF Strategic Customer Solutions |
Ambrozy, Tina S. |
Senior Vice President-Strategic Planning |
Amodeo, Daniel W. |
Senior Vice President-Marketing Management - Financial Services |
Bair, Ann S. |
Senior Vice President-Corporate Controller and Chief Accounting Officer |
Benson, James D. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President-Marketing Content & Delivery |
Boyd, Michael A. |
Senior Vice President-Legal – NF |
Boyer, John N. |
Senior Vice President-Human Resources – IT & Legal |
Bretz, Angela D. |
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-Chief Financial Officer - Nationwide Financial and Director |
Ginnan, Steven A. |
Senior Vice President-Annuity Distribution |
Guymon, Rona |
Senior Vice President-Retirement Solutions Sales |
Hawley, Craig A. |
Senior Vice President-Nationwide Annuity and Director |
Henderson, Eric S. |
Senior Vice President-Corporate Operations & Litigation Legal |
Innis-Thompson, Janice |
Senior Vice President-Investment Management Group |
Jestice, Kevin T. |
Senior Vice President-Internal Audit |
Jordan, Gregory S. |
Senior Vice President-Chief Innovation and Digital Officer |
Kandhari, Chetan D. |
Senior Vice President-Chief Technology Officer – Technology Strategy, Data & Innovation |
Kolp, Melanie A. |
Senior Vice President and Treasurer |
LaPaul, David |
Senior Vice President-Chief Information Security Officer |
Lukens, Todd |
Senior Vice President-Marketing Management - P&C |
MacKenzie, Jennifer B. |
Senior Vice President-Technology CFO & Procurement |
O'Brien, Kevin G. |
Senior Vice President-Corporate Solutions |
Perez, Juan J. |
Senior Vice President-Talent & Organization Effectiveness |
Pheister, Erin R. |
Senior Vice President-Nationwide Retirement Institute |
Rodriguez, Kristi L. |
Senior Vice President-Corporate Real Estate |
Sherry, Kieran P. |
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 Paul |
Senior Vice President-Retirement Solutions |
Stevenson, Eric |
Senior Vice President-Chief Advanced Analytics Officer |
Terry, Shannon |
Senior Vice President-Chief Technology Officer – Property & Casualty |
Vasudeva, Guruprasad C. |
Senior Vice President-Human Resources - NF |
Webster, Cynthia S. |
Director |
Walker, Kirt A. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Financial Services, Inc. |
Delaware |
The company acts primarily as a holding company for companies within the Nationwide organization that offer or distribute life insurance, long-term savings and retirement products. |
NFS Distributors, Inc. |
Delaware |
The company acts primarily as a holding company for Nationwide Financial Services, Inc. companies. |
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 |
The company provides administration, transfer and dividend disbursing agent services to various mutual fund entities. |
Nationwide Retirement Solutions, Inc. |
Delaware |
The company markets and administers deferred compensation plans for public employees. |
Nationwide Securities, LLC |
Delaware |
The company is a general purpose broker-dealer and investment adviser registered with the Securities and Exchange Commission. |
Nationwide Trust Company, FSB |
Federal |
This is a federal savings bank chartered by the Office of Thrift Supervision in the United States Department of Treasury to exercise deposit, lending, agency, custody and fiduciary powers and to engage in activities permissible for federal savings banks under the Home Owners’ Loan Act of 1933. |
Nationwide Financial Services Capital Trust |
Delaware |
The trust’s sole purpose is to issue and sell certain securities representing individual beneficial interests in the assets of the trust |
525 Cleveland Avenue, LLC |
Ohio |
This is a limited liability company organized under the laws of the State of Ohio. The company was formed to provide remedial real property cleanup prior to sale. |
Nationwide Life Insurance Company 2 |
Ohio |
The corporation provides individual life insurance, group and health insurance, fixed and variable annuity products and other life insurance products. |
Jefferson National Life Insurance Company2,3 |
Texas |
The company provides life, health and annuity products. |
Jefferson National Life Annuity Company C2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account E2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account F2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account G2,3 |
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A separate account issuing variable annuity products. |
Jefferson National Life Insurance Company of New York2,3 |
New York |
The company provides variable annuity products. |
Jefferson National Life of New York Annuity Account 12,3 |
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A separate account issuing variable annuity products. |
MFS Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Multi-Flex Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-II2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-32,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-42,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-52,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-62,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-72,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-82,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-92,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Variable Account-102,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-112,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-122,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-132,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-142,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-152,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable annuity contracts. |
Nationwide VLI Separate Account2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-22,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-32,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-42,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-52,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-62,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-72,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable life insurance policies. |
Nationwide Investment Services Corporation3 |
Oklahoma |
This is a limited purpose broker-dealer and distributor of variable annuities and variable life products for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. The company also provides educational services to retirement plan sponsors and its participants. |
Nationwide Financial Assignment Company3 |
Ohio |
The company is an administrator of structured settlements. |
Nationwide Investment Advisors, LLC3 |
Ohio |
The company provides investment advisory services. |
Eagle Captive Reinsurance, LLC3 |
Ohio |
The company is engaged in the business of insurance |
Nationwide Life and Annuity Insurance Company2,3 |
Ohio |
The company engages in underwriting life insurance and granting, purchasing and disposing of annuities. |
Nationwide VA Separate Account-A2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-B2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-C2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-D2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account A2,3 |
Delaware |
A separate account issuing variable annuity contracts. |
Nationwide VL Separate Account-C2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-D2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-G2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account A2,3 |
Delaware |
A separate account issuing variable life insurance policies. |
Olentangy Reinsurance, LLC3 |
Vermont |
The company is a captive life reinsurance company. |
Nationwide SBL, LLC |
Ohio |
The company is a lender offering securities-back lines of credit. |
Registered Investment Advisors Services, Inc. |
Texas |
The company is a technology company that facilitates third-party money management services for registered investment advisors |
Nationwide Fund Advisors4 |
Delaware |
The trust acts as a registered investment advisor. |
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 |
Jefferson National Life of New York Annuity 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 |
President and Director |
Ambrozy, Tina S. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Tax |
Eppley, Daniel P. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Chief Compliance Officer |
Rabenstine, James J. |
Vice President-CFO – Life Insurance |
Wild, Keith D. |
Associate Vice President and Treasurer |
Roswell, Ewan T. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President and Assistant Treasurer |
Reese, John A. |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Bowman, Heidi |
Assistant Secretary |
Dokko, David |
Assistant Secretary |
Hartman, Mark E. |
Director |
Henderson, Eric S. |
Director |
Stevenson, Eric |
Name of Principal Underwriter |
Net Underwriting Discounts |
Compensation on Redemption |
Brokerage Commissions |
Other Compensation |
Nationwide Investment Services Corporation |
N/A |
N/A |
N/A |
N/A |
Nationwide Variable Account-4 |
(Registrant) |
Nationwide Life Insurance Company |
(Depositor) |
By: /s/ Jamie Ruff Casto |
Jamie Ruff Casto Attorney-in-Fact |
JOHN L. CARTER |
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John L. Carter, President and Chief Operating Officer and Director (Principal Executive Officer) |
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HOLLY R. SNYDER |
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Holly R. Snyder, Senior Vice President and Director |
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TIMOTHY G. FROMMEYER |
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Timothy G. Frommeyer, Executive Vice President and Director |
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ERIC S. HENDERSON |
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Eric S. Henderson, Senior Vice President-Nationwide Annuity and Director |
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STEVEN A. GINNAN |
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Steven A. Ginnan, Senior Vice President-Chief Financial Officer-Nationwide Financial and Director (Chief Financial Officer) |
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KIRT A. WALKER |
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Director |
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JAMES D. BENSON |
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James D. Benson, Senior Vice President-Corporate Controller and Chief Accounting Officer (Principal Accounting Officer) |
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By: /s/ Jamie Ruff Casto |
|
Jamie Ruff Casto Attorney-in-Fact |