Consolidation

Sometimes less is more

Consolidation

2

Avoid the hassle of multiple accountsIt’s simple: more accounts means more hassle. One account means less hassle.

The use of diversification and asset allocation as part of an overall investment strategy does not assure a profit or protect against loss in a declining market.

Qualified retirement plans, deferred compensation plans and individual retirement accounts are all different, including fees and when you can accessfunds. Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½. Neither Nationwide nor any of its representatives give legal or tax advice. Please contact your legal or tax advisor for such advice.

Consolidation

3

The plan was made just for youNot every retirement plan is as special as your deferred compensation plan, because it was created exclusively for public employees like you.

Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½. Neither Nationwide, nor any of its represen-tatives give legal or tax advice.

Consolidation

4

Experience On Your Side®

We will:● Give you individual attention

● Help you understand your retirement plan

● Offer you convenient 24/7 account access

Consolidation

5

You get flexibility at retirementThere’s freedom in knowingthat when you retire you’llhave a variety of options for accessing your moneywhen and how you need it.

Neither Nationwide nor any of its representatives give legal or tax advice.

Consolidation

6

Consolidating doesn’t have to be difficult

● Complete a Nationwide rollover form

● We’ll work together with you and your other provider to complete their paperwork

● Simplify your life by moving your eligible retirement assets into your deferred comp account

Assets rolled over from your account(s) may be subject to surrender charges, other fees and/or a 10% tax penalty if withdrawn before age 59½.

Neither Nationwide, nor any of its representatives give legal or tax advice.

Neither Nationwide® nor any of its representatives give legal or tax advice.

Information provided by Retirement Specialists is for educational purposes only and is not intended as investment advice.

Nationwide Retirement Solutions, Inc. and Nationwide Life Insurance Company (collectively "Nationwide") have endorsement relationships with the National Association of Counties and the International Association of Firefighters-Financial Corporation. More information about the endorsement relationships may be found online at www.nrsforu.com.

Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. For more detail about the payments Nationwide receives, please visit www.nrsforu.com.

Retirement Specialists are registered representatives of Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation.

Nationwide, the Nationwide framemark, and On Your Side are service marks of Nationwide Mutual Insurance Company.

©2012 Nationwide Retirement Solutions Inc. All rights reserved.

NRM-6599AO.3 (12/12)