Nationwide Defender Annuity Return of Premium Death Benefit Option Performance Lock Standard Death Benefit Annuitant and Co-Annuitant Age at Issue 75 or Younger Standard Death Benefit Annuitant and Co-Annuitant Age at Issue 76 or Older Spousal Protection Systematic Withdrawal Program MSCI EAFE Index Buffer 10 Point To Point 1 Year Buffer 20 Point To Point 3 Year Point To Point 6 Year Nasdaq-100 Index Russell 2000 Index SP MidCap 400 Index SP 500 Index Spousal Protection Feature