Life Insurance Illustration Nationwide Indexed UL ......charges, and guaranteed minimum crediting...

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Form #: ICC18-NWLA-538 Issued in: Tennessee Software Version: 3.60.0.8 - NFN-R Prepared on: 4/25/2019ICC18-FLM-1217AO

Any Indexed Interest Strategy offered by Nationwide Life and Annuity Insurance Company is an allocation option available with this lifeinsurance policy. Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equityinvestments and do not receive dividend or capital gains participation. Past index performance is no indication of future crediting rates. Also,

be aware that interest crediting fluctuations can lead to the need for additional premium to keep in your policy in force.

• Not a deposit • Not FDIC or NCUSIF insured • Not guaranteed by the institution •Not insured by any federal government agency • May lose value

Nationwide Life and Annuity Insurance CompanyOne Nationwide PlazaColumbus, OH 43215

Life Insurance IllustrationNationwide Indexed UL Accumulator II

Prepared for:Molly Bynum

Presented by:

Prepared on:April 25, 2019

The insurance professional or company may contact you in response to your request for additional information.

The information contained herein was prepared to support the promotion, marketing, and/or sale oflife insurance contracts, annuity contracts and/or other products and services provided by

Nationwide Life and Annuity Insurance Company

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Life Insurance IllustrationNationwide Indexed UL Accumulator IINationwide Life and Annuity Insurance Company, Columbus, Ohio

Narrative Summary

Form #: ICC18-NWLA-538 Issued in: Tennessee Software Version: 3.60.0.8 - NFN-R Prepared on: 4/25/2019

About the IllustrationThe illustration is not a contract and will not become part of any policy issued by Nationwide Life and AnnuityInsurance Company. The policy constitutes the actual agreement of coverage and contains the entire terms ofthe contract. The policy is designed to qualify as life insurance under laws of the United States of America,including the Internal Revenue Code of 1986, as amended. Tax treatment for citizens of, and US residentssubject to taxation in, foreign countries may be different. Neither Nationwide nor its representatives give legalor tax advice. Please consult with your attorney or tax advisor for answers to your specific tax questions.

This illustration assumes that the currently illustrated nonguaranteed elements will continueunchanged for all years shown. This is not likely to occur, and actual results may be more or lessfavorable than those shown.

The illustration is intended to assist you in understanding how the policy works, not to predict actualperformance. It reflects a variety of illustrated activities, such as planned premiums, assumed interest credits,coverage amounts, Loans, and Partial Surrenders to illustrate the impact on the policy's performance. Thisillustration assumes that the premiums, Partial Surrenders, and/or Loans are made on a policy monthaversary,and that all policy monthaversaries (including the policy date) occur on a Sweep Date. In reality, payments anddistributions can occur on any day, and policy monthaversaries do not occur on Sweep Dates for most policies.

This illustration assumes that the premium payment is made on the first day of each month.

About Nationwide Indexed UL Accumulator IINationwide Indexed UL Accumulator II is an individual index-linked universal life insurance contract covering asingle life. It offers life insurance protection and the potential for cash value accumulation, meeting two needswith one policy.

Nationwide Indexed UL Accumulator II offers:• Permanent protection for your family and loved ones• Tax-deferred cash value growth• Index-linked interest crediting and cash value accumulation potential• Flexible access to Accumulated Values for supplemental cash needs (certain restrictions apply)

Premiums may be paid in any amount and frequency as long as the minimum amounts set by Nationwide Lifeand Annuity Insurance Company and maximum amounts set by the Internal Revenue Code are not violated.However, in order to continue coverage, the Net Surrender Value must be sufficient to pay the policy's MonthlyDeductions and other charges, or the policy's minimum accumulated premium death benefit guaranteerequirements are met. If the Net Surrender Value is not sufficient to pay the policy's Monthly Deductions andother charges (or the policy's minimum accumulated premium death benefit guarantee is not in force), thenadditional premium may be required to keep the policy in force.

This policy includes a 20 year No-Lapse Guarantee period. During this period, the policy is guaranteed not tolapse as long as the total gross premium paid, less accumulated Partial Surrenders, partial Surrender fees,returned Premium, and outstanding Loan balance, is greater than or equal to the accumulated No-LapseGuarantee monthly premium through the most recent monthaversary.

Premiums received are assessed a percent of Premium charge. The remaining amount is applied to thepolicy's Accumulated Value. The Accumulated Value in the policy earns and is credited with interest. Once amonth, on the policy monthaversary, a deduction is made from the Accumulated Value to cover administrative,insurance and other costs. The deductions will apply until the policy matures at the Insured's attained age 120.

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Narrative Summary


Available net surrender value can be borrowed at any time. After the first policy year, Partial Surrenders canalso be made. The policy can be surrendered for cash at any time, however, the value paid will be decreasedby the applicable Surrender Charge and any indebtedness.

Any Specified Amount increase or Death Benefit Option changes will require evidence of insurabilitysatisfactory to Nationwide.

Key Terms & Column HeadingsAccumulated Value - The amount of premium paid, minus premium loads and administrative charges, minusMonthly Deductions for cost of insurance and rider charges, minus any Partial Surrenders, plus interestcredited.

Annualized Premium Outlay - Total premium projected to be paid into the policy during a policy year.

Age - Issue Age plus the number of full policy years since the policy date.

Death Benefit Option - Determines the amount of death benefit payable. Option 1 provides a level deathbenefit equal to the Specified Amount of the policy. Option 2 provides a death benefit equal to the SpecifiedAmount of the policy plus its Accumulated Value.

Fixed Interest Strategy - An allocation option funded by Nationwide's general account and credited interest atrates periodically declared in advance.

CurrentIllustratedGuaranteed

3.00%3.00%1.00%

Guaranteed Values - Guaranteed Values are based on guaranteed cost of insurance and guaranteed policycharges, and guaranteed minimum crediting interest rates.

Indexed Interest Strategy(ies) - One or more allocation options funded by Nationwide's general account andcredited with interest based on the measured performance of its Reference Index and the applicable Cap Rate,Floor Rate, Spread Rate and Participation Rate.

There are seven Indexed Interest Strategies currently available:

Core Indexed Interest Strategies

One-Year Multi-Index Monthly Average Indexed Interest Strategy (1-Yr Multi-Index)This strategy follows three indices, the S&P 500®, the Dow Jones Industrial Average, and the NASDAQ-100®.Interest is credited to the Indexed Account based on a weighted blend of the monthly average performance ofthese three indices. Although this interest credit may vary, it is guaranteed to not go below zero.

One-Year S&P 500® Point-to-Point Indexed Interest Strategy (1-Yr S&P 500)This strategy follows one index, the S&P 500®. Interest is credited to the Indexed Account based on the annualperformance of the S&P 500®. This interest credit may also vary, but it is guaranteed to not go below zero.

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Narrative Summary


One Year Uncapped S&P 500® Point-to-Point Indexed Interest Strategy (1-Yr Uncapped S&P 500)This strategy follows one index, the S&P 500®. Interest is credited to the Indexed Account based on the annualperformance of the S&P 500®. This interest credit may also vary, but it is guaranteed to not go below zero.

High Cap Indexed Interest Strategies

One-Year High-Cap Multi-Index Monthly Average Indexed Interest Strategy (1-Yr High-Cap Multi-Index)This strategy follows three indices, the S&P 500®, the Dow Jones Industrial Average, and the NASDAQ-100®.Interest is credited to the Indexed Account based on a weighted blend of the monthly average performance ofthese three indices. Although this interest credit may vary, it is guaranteed to not go below zero.

One Year High-Cap S&P 500 Point to Point Indexed Interest Strategy (1-Yr High-Cap S&P 500)This strategy follows one index, the S&P 500®. Interest is credited to the Indexed Account based on the annualperformance of the S&P 500®. This interest credit may also vary, but it is guaranteed to not go below zero.

High Multiplier Indexed Interest Strategies

One-Year Multi-Index Monthly Average Indexed Interest Strategy with Advanced Multiplier (1-Yr Multi-IndexAdv Multiplier)This strategy follows three indices, the S&P 500®, the Dow Jones Industrial Average, and the NASDAQ-100®.Interest is credited to the Indexed Account based on a weighted blend of the monthly average performance ofthese three indices. Although this interest credit may vary, it is guaranteed to not go below zero.

One-Year S&P 500® Point-to-Point Indexed Interest Strategy with Advanced Multiplier (1-Yr S&P 500 AdvMultiplier)This strategy follows one index, the S&P 500®. Interest is credited to the Indexed Account based on the annualperformance of the S&P 500®. This interest credit may also vary, but it is guaranteed to not go below zero.

The "S&P 500" and the "Dow Jones Industrial Average" are products of S&P Dow Jones Indices LLC ("SPDJI"), and have been licensed for use byNationwide Life and Annuity Insurance Company. Standard & Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's FinancialServices LLC ("S&P"); DJIA®, The Dow®, Dow Jones® and Dow Jones Industrial Average are trademarks of Dow Jones Trademark Holdings LLC ("DowJones"); and these trademarks have been licensed for use by SPDJI. Nationwide's products are not sponsored, endorsed, sold or promoted by SPDJI,Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s)nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 or the Dow Jones Industrial Average.

NASDAQ®, OMX®, NASDAQ OMX®, NASDAQ-100®, and NASDAQ-100 Index® are registered trademarks of The NASDAQ OMX Group, Inc. (which withits affiliates is referred to as the "Corporations") and are licensed for use by Nationwide Life and Annuity Insurance Company. The Product has not beenpassed on by the Corporations as to their legality or suitability. The Product is not issued, endorsed, sold, or promoted by the Corporations. THECORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT.

Indexed universal life insurance policies are not stock market investments, do not directly participate in anystock or equity investments and do not receive dividend or capital gains participation. Past index performanceis no indication of future crediting rates. Also, be aware that interest crediting fluctuation can lead to the needfor additional premium in your policy.

This illustration utilizes the Illustrated Rates below. The Illustrated Rates cannot be lower than the Guaranteedrates or higher than the Maximum Permitted Illustrated Rates. The Maximum Permitted Illustrated Rate foreach strategy is calculated by a method consistent with applicable regulations. The Historical Averages arebased on the past 30 years of performance as of 1/15/2019, using current Floor Rate, Participation Rate, CapRate or Spread Rate (as applicable). A number of different reasonable methods may be used to calculate theHistorical Averages. The Illustrated Rates, Maximum Permitted Illustrated Rates, and Historical Averages arenot intended as an indication of future performance and are not guaranteed.

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Narrative Summary


Illustrated Rate Guaranteed Rate MaximumPermittedIllustrated

Rate*

30 Year HistoricalAverage

1-Yr Multi Index 5.76% 0.00% 5.76% 6.74%1-Yr S&P 500 5.76% 0.00% 5.76% 6.43%1-Yr Uncapped S&P 500 5.76% 0.00% 5.76% 8.23%1-Yr High-Cap Multi-Index 7.39% 0.00% 7.39% 8.98%1-Yr High-Cap S&P 500 7.39% 0.00% 7.39% 8.27%1-Yr Multi-Index Adv Multiplier 5.76% 0.00% 5.76% 6.74%1-Yr S&P 500 Adv Multiplier 5.76% 0.00% 5.76% 6.43%

Regulations require the calculation of the effective annualized credited interest rates for over 10,000 specific 25year periods during the last 66 years using a benchmark indexed interest strategy1. Per these regulations, theMaximum Permitted Illustrated Rate shown above is the arithmetic average of all of the rates produced bythese calculations. The minimum and maximum of all of the rates produced are required to be disclosed andare shown below. Past performance is not predictive of or a guarantee of actual future crediting rates.

Minimum 3.68%Maximum 7.24%

1 The index strategy is a 1 Year S&P 500 point to Point Strategy, with a 100% participation rate, a 0% floor, andthe current cap of 9.25%.

*The limit is for illustration purposes only. Actual Index Segment interest credited may be greater or less.

IMPORTANT NOTE: Regardless of the percentage allocated to an Indexed Interest Strategy, theMinimum Required Fixed Interest Strategy Allocation must be met.

Cap Rate - The maximum rate of interest that will be credited to an Index Segment if the ReferenceIndex's performance and interest crediting formula produce a result that is greater than the maximumrate.

1-Yr Multi Index1-Yr S&P 5001-Yr Uncapped S&P 5001-Yr High-Cap Multi-Index1-Yr High-Cap S&P 5001-Yr Multi-Index Adv Multiplier1-Yr S&P 500 Adv Multiplier

Current11.25% 9.25%

N/A25.00%13.00%11.25% 9.25%

Guaranteed4.00%4.00%

N/A4.00%4.00%4.00%4.00%

Floor Rate - The minimum rate of interest that will be credited to an Index Segment if the ReferenceIndex's performance and interest crediting formula produce a result that is less than that minimumrate.

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Narrative Summary



Current0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Guaranteed0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Participation Rate - The percentage applied to the result of the Reference Index's interest creditingformula prior to application of an Index Segment's Cap Rate and Floor Rate.


Current100%100%100%100%100%100%100%

Guaranteed100%100%100%100%100%100%100%

Spread Rate - The Spread Rate is a factor used to determine the Index Segment Interest Rate foruncapped Indexed Interest Strategies. The Reference Index Performance Rate is reduced by theSpread Rate after the Participation and Floor Rates have been applied. This has the effect of reducingthe Index Segment Interest credited, unless the Floor Rate is zero.

1-Yr Uncapped S&P 500Current

5%Guaranteed

10%

IMPORTANT NOTE: Crediting rate(s) specified in this illustration for any uncapped IndexedInterest Strategy assume(s) the Spread Rate has already been subtracted.

The current Cap, Floor, Participation Rates and Spread Rates can vary on a monthly basis for newIndex Segments.

Index Segment(s) - A division of an Indexed Interest Strategy created on a Sweep Date by theallocation of net premium, reallocation of Index Segment Maturity Value, and/or transfer ofAccumulated Value from the Fixed Interest Strategy to an Indexed Interest Strategy.

Indexed Interest Strategy Charge Rate - The charge is assessed at the time an Index Segment iscreated. The charge is calculated by multiplying the dollar amount being applied to create an IndexSegment by the applicable Indexed Interest Strategy charge rate.


Current0.00%0.00%0.00%1.00%1.00%2.25%2.25%

Guaranteed0.50%0.50%0.50%1.50%1.50%3.25%3.25%

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Narrative Summary


Index Segment Maturity Value - The Accumulated Value of an Index Segment on its Index Segmentmaturity date after any interest is credited.

Minimum Required Fixed Interest Strategy Allocation (MRFISA) - A dollar amount equal to theestimated Monthly Deductions for a 12 month period, assuming no changes to the policy during thatpolicy year. This amount is determined each year and until this requirement is met, no value will beallocated into an Indexed Interest Strategy.

Reference Index - One or more market indexes associated with an Indexed Interest Strategy.

Sweep Date - The date on which net premiums and loan repayment allocations, reallocation of IndexSegment Maturity Value, and/or transfers of Accumulated Value from the Fixed Interest Strategy to anIndexed Interest Strategy to create new Index Segments. The Sweep Date is currently the 15th ofeach month.

Insured - The person covered by the base policy.

Issue Age - The Insured's age on their birthday nearest the policy date.

Loans/Partial Surrenders -Loans - Amount borrowed against the Net Surrender Value. Any outstanding policy indebtedness will becharged interest at the policy Loan interest rate as defined in the policy. If the Loan interest is not paid, it isadded to the total Loan balance. Any outstanding policy indebtedness will result in a reduction of the policy'ssurrender values and Death Benefit proceeds. Indebtedness will also reduce the accumulated premiumrequired by any No-Lapse Guarantee Policy Continuation feature of the base policy.

Two types of Loans may be available; Declared Rate Loans and Alternative Policy Loans.

Declared Rate Loans - A Loan option under which money borrowed against the Net Surrender Value iscredited and charged interest. We may credit interest at a higher rate than the stated minimum rate, andwe may charge interest at a lower rate than the stated maximum.

Any Policy Loan will be charged interest at the following rates:

Current GuaranteedPolicy years 1-10 3.90% 3.90%Policy years 11+ 3.00% 3.90%

The loaned portion of the Accumulated Value will be credited interest at the following rates:

CurrentGuaranteed

3.00%1.00%

Alternative Policy Loans - A Loan option under which the money borrowed remains allocated to theselected interest crediting strategies and continues to receive the interest credited to those strategies.Nationwide reserves the right to stop offering Indexed Loans in the future.

Interest charged for this type of Loan can vary quarterly, is set by Nationwide, and is declared inadvance.

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Narrative Summary


Any Alternative policy Loan will be charged interest subject to the following:

CurrentIllustrated

Guaranteed Maximum

N/AN/AN/A

IMPORTANT NOTE: Alternative Loans are more volatile than Declared Rate Loans because theinterest charged and credited both can vary more when compared to the Declared Rate Loans.

Partial Surrenders - Amount taken as Partial Surrenders during the policy year. Partial Surrendersreduce the death benefit and Net Surrender Value by the gross surrender amount. Amounts surrenderedfrom an Index Segment before its Index Segment Maturity Date will not receive any Index SegmentInterest for that Index Segment Interest Period.

Midpoint - Midpoint values are not guaranteed and are based on interest rates that are halfway between theguaranteed and current interest rate. The cost of insurance charges and any other charges used in theMidpoint value calculation are halfway between the guaranteed and current charges.

Modified Endowment Contract - A life insurance policy where premium payments made during the first sevenyears of the contract, or during the first seven years after a material change, exceed the Modified EndowmentPremium limit as defined by section 7702A of the Internal Revenue Code. Distributions from these types ofcontracts are subject to lessfavorable tax treatment than distributions from policies which are not Modified Endowment Contracts.

Monthly Deductions - The charges taken from the total account value which are the sum of the cost ofinsurance charges, per policy charges, rider costs, and per 1,000 charge. Please Note: Current andguaranteed monthly cost of insurance charge rates generally increase year over year to reflect expectationsthat mortality and underwriting risks generally increase as the Insured's Attained Age and the length of time thePolicy has been In Force increase. Please see optional Cost of Insurance Rate report for guaranteed andcurrently projected nonguaranteed Cost of Insurance Charge rates for all policy years.

Net Annual Outlay - Shows planned premiums plus any Loan repayments, less Partial Surrenders and Loans.

Net Death Benefit - Death benefit amount that would be paid to beneficiary in the event of Insured's death.This amount is net of any outstanding policy indebtedness.

Net Surrender Value - Accumulated Value less applicable Surrender Charges, minus any policy indebtedness.The amount that the policy owner would receive if a full surrender was effected.

Non-Guaranteed - Alternate Interest: Regulations require illustration of values using an interest rate nogreater than the Fixed Interest Strategy crediting rate in effect at the time of the illustration. For purposes ofthis illustration, the Tabular Detail - Non-Guaranteed section of this illustration shows values calculated usingthe Fixed Interest Strategy crediting rate in effect at the time of the illustration and current policy charges.

Section 7702 - Life Insurance Qualification Test: Two alternative tests as defined by Section 7702 of theInternal Revenue Code, one of which must be elected at the time of application, used to determine taxtreatment of the policy:

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Narrative Summary


Cash Value Accumulation Test (CVAT):CVAT requires that the Accumulated Value not exceed the NetSingle Premium (NSP) to fund the future benefits at any time.

Guideline Premium/Cash Value Corridor Test (GP/CVCT): GP/CVCT is the other alternative test thatcan be selected at issue of the Life Insurance policy. GP/ CVCT is a dual test that is met at all times if:

1. The total of the gross premium paid under the contract does not exceed the Guideline Premiumlimitations for the contract, and

2. The statutory Cash Value Corridor requirement is satisfied

This illustration was calculated using the Guideline Premium Test.

Specified Amount - Dollar amount used to determine the amount of the death benefit.

Surrender Charges - Amount deducted from the Accumulated Value in the event that the policy ownersurrenders the policy during the applicable period. The actual Surrender Charge deducted will be the lesser ofthe Surrender Charge shown in the table below and the Accumulated Value on the date of surrender. At notime will the deduction of the Surrender Charge cause the policy owner to owe additional money to NationwideLife and Annuity Insurance Company.

Table of Surrender Charges

Policy Year Surrender Charges1 $5,920.002 $5,920.003 $5,920.004 $5,180.005 $4,440.006 $3,700.007 $2,960.008 $2,220.009 $1,480.0010 $740.0011 $0.00

Total Loan Balance - Outstanding policy indebtedness plus unpaid Loan interest.

Additional Benefits & InformationNo-Lapse Guarantee Policy Continuation - This illustration reflects a 20 year No-Lapse Guarantee Period.This provision ensures that the policy will not lapse during the No-Lapse Guarantee Period as long as (1) isgreater than or equal to (2), where:1. Is the sum of all premiums paid, minus any Partial Surrenders, partial surrender fees and outstanding

policy indebtedness; and2. Is the sum of the No-Lapse Guarantee Monthly Premiums in effect from the policy issue date to the most

recent monthaversary.

The monthly No-Lapse Guarantee Premium is $91.00.

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Narrative Summary


Policy Maturity Date Extension• This policy provision protects against the possibility of outliving coverage.• Provided the policy has not been surrendered or otherwise terminated before reaching the original maturity

date (the Insured's Attained Age 120), the policy coverage will be extended past the original maturity dateto pay a death benefit upon the death of the Insured.

• After the maturity date has been extended, payments will no longer be accepted (except for Loanrepayments), interest will continue to be credited to the policy's Accumulated Value, and monthly chargeswill cease to be deducted.

Nationwide IUL Rewards Program - Conditional Credit and Conditional Interest Endorsement - (Form#ICC18-NWLA-549)The Conditional Credit and Conditional Interest Endorsement is part of the Nationwide IUL Rewards Program.Conditional credit and conditional interest are guaranteed if all qualifying conditions are met.

Conditional CreditThis endorsement provides for application of a credit to the Fixed Interest Strategy each policy monthaversaryon and after the beginning of policy year 16 if the endorsement accumulated premium test is satisfied. The testis satisfied if net accumulated premium equals or exceeds the endorsement accumulated premium. Netaccumulated premium is equal to premiums paid minus Partial Surrenders, Surrender charges deducted,returned premium, and indebtedness. Endorsement accumulated premium is equal to the sum of theendorsement monthly premiums in effect for each month from the policy date up to and including the beginningof policy year 16. Policies that satisfy the test will receive an annualized credit of 0.20% of the AccumulatedValue less policy indebtedness. If the endorsement accumulated premium test is not satisfied at the beginningof policy year 16, this endorsement will terminate.

Conditional InterestIf the endorsement accumulated premium test described above is satisfied at the beginning of policy year 16,prorated Index Segment interest will be credited on Accumulated Value transferred for Declared Rate PolicyLoans or withdrawn for Partial Surrenders during an Index Segment interest period, if the Index Segment hasIndex Segment Maturity Value on the index segment maturity date.No conditional interest will be credited for Index Segments that do not have any Index Segment Maturity Valueon their Index Segment maturity date, or that do not reach their Index Segment maturity date.

Multiplier Credit Endorsement (Form #ICC18-NWLA-552) - The Multiplier Credit Endorsement provides acredit to Accumulated Value of maturing Index Segments based on an endorsement credit rate comprised of amultiplier credit rate 15% and an advanced multiplier credit rate 50%.The multiplier credit rate is applied to Index Segments maturing on and after the beginning of policy year 6.The advanced multiplier credit rate is applied to select Indexed Interest Strategies and is applied to IndexSegments maturing on and after the beginning of policy year 1.The credit is determined by multiplying the Accumulated Value of applicable maturing Index Segments, prior toadding interest or any other credits, by its Endorsement Credit Rate. The credit is applied to the IndexSegment Maturity Value of the applicable Index Segment.The actual Endorsement Credit Rate will be zero if no Index Segment Interest is credited to the applicableIndexed Interest Strategy on the Index Segment Maturity Date.

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Narrative Summary


Accelerated Death Benefit for Terminal Illness Rider - (Form# ICC13-NWLA-495)• The Accelerated Death Benefit for Terminal Illness Rider advances a portion of the policy's death benefit in

the event of a terminal illness (with a life expectancy of 12 months or less).• The rider is effective and attached to the policy at the time the policy is issued.• There is no upfront charge for this rider; however, charges and adjustments will apply at the time a claim is

accepted.• The receipt of an accelerated death benefit payment may be taxable or may affect Medicaid or public

assistance eligibility. Nationwide therefore strongly recommends that clients seek independent advicewhen determining the benefits of using this rider.

• Nationwide reserves the right to require the base policy Specified Amount be at least $50,000 on theBenefit Effective Date; the remaining Specified Amount, after acceleration of the death benefit, must be atleast the minimum Specified Amount.

• The maximum amount of the accelerated death benefit to be paid if the Insured meets the requirements ofthe Eligibility and Conditions for Payment section of the rider cannot exceed 50% of the base policySpecified Amount.

• The accelerated death benefit payment must be at least $10,000 and shall not exceed $250,000.• The accelerated death benefit may not be available if the current base policy death benefit is equal to the

stated minimum death benefit in your policy.

Overloan Lapse Protection Rider - (Form# ICC11-NWLA-458) The Overloan Lapse Protection Rider helpsprotect heavily loaned policies from lapsing by providing a guaranteed paid-up insurance benefit, avoiding apotential tax consequence on the Loan balance. Neither the IRS nor the courts have ruled on the taxconsequences of invoking the Overloan Lapse Protection Rider. It is possible that the IRS or a court couldassert that the Indebtedness should be treated as a distribution, all or a portion of which could be taxablewhen you elect to invoke the benefits under the rider. You should consult with a tax advisor regarding the risksassociated with invoking this rider. The rider is automatically added to your policy when it is issued, but there isno charge until you choose to invoke it. The rider has no cash value and has no Loan value. To invoke the rider,the policy must meet all of the following requirements:

• The policy has reached its 15th anniversary.• The Insured is at least age 75.• The cash value is at least $100,000.• All amounts required to be withdrawn so that the policy continues to qualify as life insurance under Section

7702 of the Internal Revenue Code must be taken as Partial Surrenders.• The policy is issued under the Guideline Premium/Cash Value Corridor Test of section 7702 of the Internal

Revenue Code.• The indebtedness becomes more than a certain percentage of the policy's cash value. This percentage is

called the 'trigger point' and varies by the Insured's attained age.

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Prepared For: Molly Bynum // Female/0/Standard NontobaccoIRC Section 7702: Guideline Premium TestSpecified Amount: $500,000Death Benefit Options: Option 2 (Increasing); Switch to Option 1 (Level) in Year 14Initial Planned Premium: $200.00 Monthly



Numeric SummaryInitial Premium

Allocations(subject to MRFISA)

Initial Matured SegmentAllocations

(subject to MRFISA)

GuaranteedInterest

Midpoint Interest Initial Non-GuaranteedAssumedInterest

1-Yr High-Cap Multi-Index 100.00% Reallocate 0.00% 3.70% 7.39%Fixed 1.00% 2.00% 3.00%

Guaranteed Charges Midpoint Charges† Current ChargesCumulative Net Net Net Net Net Net

End of Premium Surrender Death Surrender Death Surrender DeathYear Age Outlay Value‡ Benefit Value‡ Benefit Value ‡ Benefit

5 5 12,000 0 500,000 0 502,704 2,770 507,21010 10 24,000 0 500,000 5,243 505,983 17,039 517,77920 20 43,200 0 500,000 13,673 509,316 60,972 528,63021 21 43,200 Lapse Lapse 12,742 509,316 65,394 528,63032 32 43,200 Lapse Lapse 142,776 528,63070 70 43,200 2,194,732 2,545,889

100 100 43,200 18,823,134 18,823,134120 120 43,200 79,922,094 79,922,094

Based on Premium Outlay,Coverage would continue to: Age 20 Age 31 Age 120

† Midpoint charges are equal to one-half the sum of (Current + Guaranteed) charges.

Policy was not illustrated as a Modified Endowment Contract.

‡ As illustrated, the Conditional Credit Endorsement requirements are met. Therefore, the Accumulated Values and NetSurrender Values shown are increased by application of the .20% credit from the beginning of policy year 16. Please seethe Conditional Credit Endorsement description in the Narrative Summary for more details.

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Please Note: Until Minimum Required Fixed Interest Strategy Allocation (MRFISA) requirements are meteach year, no value will be allocated into an Indexed Interest Strategy.

I have received a copy of this illustration and understand that any non-guaranteed elements illustrated aresubject to change and could be either higher or lower. The Sales Representative has told me that they are notguaranteed. I also understand that this illustration is not a contract and that the terms of the policy constitute theactual agreement of coverage.

I, the policy owner/applicant, understand that I selected the Premium shown in the illustration to showNationwide how much Premium I intend to pay. Because interest credited on a non-guaranteed basis varies overtime, is rarely the same year-over-year, and may be limited to the guaranteed minimum for extended periods oftime, I understand I may be required to pay additional Premium to meet my goals and/or to prevent the Policyfrom lapsing.

Applicant/Policy Owner Date

I certify that this illustration has been presented to the applicant and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no representations that are inconsistent withthe illustration.

Note: Nationwide uses fully allocated expenses in its illustrations. This means that all expenses, includingindirect expenses such as corporate overhead and general advertising, are allocated to the policies.

Sales Representative Date

Please Note - Guarantees are subject to the claims-paying ability of Nationwide Life and Annuity Insurance Company.

Actual policy values may vary from policy values shown in this illustration, even if all assumptions in this illustration occuras shown. Should a discrepancy occur, Nationwide will not lapse the policy prior to the illustrated guaranteed lapse dateas long as there have been no changes to the policy that would affect the values shown in this illustration and as long asall future planned premiums are paid as illustrated.

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Tabular Detail - GuaranteedInitial Premium Allocations

(subject to MRFISA)Initial Matured Segment

Allocations(subject to MRFISA)

GuaranteedInterest

1-Yr High-Cap Multi-Index 100.00% Reallocate 0.00%Fixed 1.00%


‡ As illustrated, the Conditional Credit and Conditional Interest Endorsement requirements are met. Therefore, the Accumulated Valuesand Net Surrender Values shown are increased by application of the .20% credit from the beginning of policy year 16. Please see theConditional Credit and Conditional Interest Endorsement description in the Narrative Summary for more details.

Based on Premium Outlay, coverage would continue to: Insured's attained age: 20

Target Premium: $1,986.90 Guideline Single Premium: $18,017.00 Guideline Annual Premium: $3,097.00 7 Pay Premium: $4,283.00

Guaranteed Interest Guaranteed Charges

Annualized Net NetEnd of Premium Accumulated Surrender DeathYear Age Outlay Value‡ Value‡ Benefit

1 1 2,400 0 0 500,0002 2 2,400 0 0 500,0003 3 2,400 0 0 500,0004 4 2,400 0 0 500,0005 5 2,400 0 0 500,000

12,000

6 6 2,400 0 0 500,0007 7 2,400 0 0 500,0008 8 2,400 0 0 500,0009 9 2,400 0 0 500,000

10 10 2,400 0 0 500,00024,000

11 11 2,400 0 0 500,00012 12 2,400 0 0 500,00013 13 2,400 0 0 500,00014 14 2,400 0 0 500,00015 15 2,400 0 0 500,000

36,000

16 16 2,400 0 0 500,00017 17 2,400 0 0 500,00018 18 2,400 0 0 500,00019 19 0 0 0 500,00020 20 0 0 0 500,000

43,200

21 21 0 Lapse Lapse Lapse43,200

Total

Total

Total

Total

Total

page 14 of 26

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Tabular Detail - Non Guaranteed

Initial Premium Allocations(subject to MRFISA)


(subject to MRFISA)

Non-GuaranteedAlternate Interest§

Initial Non-GuaranteedAssumedInterest

1-Yr High-Cap Multi-Index 100.00% Reallocate 3.00% 7.39%Fixed 3.00% 3.00%



§ The Non-Guaranteed Alternate Interest applied to the selected Indexed Interest Strategy(ies) is equal to the Fixed Interest Strategycrediting rate in effect at the time of the illustration.

Based on Premium Outlay, coverage would continue to: Insured's attained age: 83 Insured's attained age: 120

Target Premium: $1,986.90 Guideline Single Premium: $18,017.00 Guideline Annual Premium: $3,097.00 7 Pay Premium: $4,283.00

Non-Guaranteed - Alternate Interest Non-Guaranteed - Assumed Interest Current Charges Current Charges

Annualized Net Net Net NetEnd of Premium Accumulated Surrender Death Accumulated Surrender DeathYear Age Outlay Value‡ Value‡ Benefit Value‡ Value‡ Benefit

1 1 2,400 1,226 0 501,226 1,226 0 501,2262 2 2,400 2,551 0 502,551 2,561 0 502,5613 3 2,400 3,928 0 503,928 4,008 0 504,0084 4 2,400 5,344 164 505,344 5,559 379 505,5595 5 2,400 6,789 2,349 506,789 7,210 2,770 507,210

12,000

6 6 2,400 8,288 4,588 508,288 9,034 5,334 509,0347 7 2,400 9,817 6,857 509,817 10,988 8,028 510,9888 8 2,400 11,390 9,170 511,390 13,091 10,871 513,0919 9 2,400 13,000 11,520 513,000 15,352 13,872 515,352

10 10 2,400 14,650 13,910 514,650 17,779 17,039 517,77924,000

11 11 2,400 17,089 17,089 517,089 21,138 21,138 521,13812 12 2,400 19,581 19,581 519,581 24,744 24,744 524,74413 13 2,400 22,138 22,138 522,138 28,630 28,630 528,63014 14 2,400 24,758 24,758 522,138 32,812 32,812 528,63015 15 2,400 27,429 27,429 522,138 37,298 37,298 528,630

36,000

16 16 2,400 30,206 30,206 522,138 42,189 42,189 528,63017 17 2,400 33,026 33,026 522,138 47,425 47,425 528,63018 18 2,400 35,907 35,907 522,138 53,048 53,048 528,63019 19 0 36,630 36,630 522,138 56,864 56,864 528,63020 20 0 37,371 37,371 522,138 60,972 60,972 528,630

43,200

Total

Total

Total

Total

page 15 of 26

(see Tabular Detail - Guaranteed for values based on guaranteed elements beginning on page 14 of 26)

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(subject to MRFISA)










21 21 0 38,132 38,132 522,138 65,394 65,394 528,63022 22 0 38,912 38,912 522,138 70,153 70,153 528,63023 23 0 39,703 39,703 522,138 75,267 75,267 528,63024 24 0 40,504 40,504 522,138 80,761 80,761 528,63025 25 0 41,321 41,321 522,138 86,669 86,669 528,630

43,200

26 26 0 42,158 42,158 522,138 93,028 93,028 528,63027 27 0 43,019 43,019 522,138 99,875 99,875 528,63028 28 0 43,908 43,908 522,138 107,250 107,250 528,63029 29 0 44,816 44,816 522,138 115,185 115,185 528,63030 30 0 45,742 45,742 522,138 123,722 123,722 528,630

43,200

31 31 0 46,682 46,682 522,138 132,903 132,903 528,63032 32 0 47,637 47,637 522,138 142,776 142,776 528,63033 33 0 48,606 48,606 522,138 153,395 153,395 528,63034 34 0 49,590 49,590 522,138 164,816 164,816 528,63035 35 0 50,585 50,585 522,138 177,097 177,097 528,630

43,200

36 36 0 51,580 51,580 522,138 190,295 190,295 528,63037 37 0 52,575 52,575 522,138 204,482 204,482 528,63038 38 0 53,573 53,573 522,138 219,733 219,733 549,33239 39 0 54,571 54,571 522,138 236,108 236,108 590,27040 40 0 55,576 55,576 522,138 253,692 253,692 634,231

43,200

Total

Total

Total

Total

page 16 of 26


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(subject to MRFISA)










41 41 0 56,587 56,587 522,138 272,573 272,573 681,43442 42 0 57,614 57,614 522,138 292,871 292,871 711,67643 43 0 58,653 58,653 522,138 314,686 314,686 742,65944 44 0 59,567 59,567 522,138 337,999 337,999 774,01845 45 0 60,494 60,494 522,138 363,072 363,072 806,020

43,200

46 46 0 61,447 61,447 522,138 390,043 390,043 838,59347 47 0 62,411 62,411 522,138 419,038 419,038 875,78948 48 0 63,391 63,391 522,138 450,213 450,213 913,93349 49 0 64,388 64,388 522,138 483,736 483,736 952,96050 50 0 65,387 65,387 522,138 519,769 519,769 992,758

43,200

51 51 0 66,383 66,383 522,138 558,496 558,496 1,033,21852 52 0 67,366 67,366 522,138 600,124 600,124 1,068,22153 53 0 68,327 68,327 522,138 644,866 644,866 1,102,72054 54 0 69,244 69,244 522,138 692,945 692,945 1,136,43055 55 0 70,116 70,116 522,138 744,628 744,628 1,169,066

43,200

56 56 0 70,933 70,933 522,138 800,191 800,191 1,200,28757 57 0 71,707 71,707 522,138 859,905 859,905 1,255,46258 58 0 72,438 72,438 522,138 924,091 924,091 1,312,20959 59 0 73,125 73,125 522,138 993,094 993,094 1,370,47060 60 0 73,767 73,767 522,138 1,067,288 1,067,288 1,430,166

43,200

Total

Total

Total

Total

page 17 of 26


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(subject to MRFISA)










61 61 0 74,358 74,358 522,138 1,147,074 1,147,074 1,491,19662 62 0 74,871 74,871 522,138 1,232,799 1,232,799 1,577,98363 63 0 75,296 75,296 522,138 1,324,908 1,324,908 1,669,38464 64 0 75,615 75,615 522,138 1,423,875 1,423,875 1,765,60565 65 0 75,818 75,818 522,138 1,530,223 1,530,223 1,866,872

43,200

66 66 0 75,841 75,841 522,138 1,644,813 1,644,813 1,973,77667 67 0 75,695 75,695 522,138 1,767,903 1,767,903 2,103,80468 68 0 75,366 75,366 522,138 1,900,125 1,900,125 2,242,14769 69 0 74,837 74,837 522,138 2,042,159 2,042,159 2,389,32770 70 0 74,077 74,077 522,138 2,194,732 2,194,732 2,545,889

43,200

71 71 0 73,044 73,044 522,138 2,358,616 2,358,616 2,712,40872 72 0 71,687 71,687 522,138 2,534,778 2,534,778 2,864,29973 73 0 69,938 69,938 522,138 2,724,164 2,724,164 3,023,82274 74 0 67,725 67,725 522,138 2,927,812 2,927,812 3,191,31575 75 0 64,972 64,972 522,138 3,146,861 3,146,861 3,367,141

43,200

76 76 0 61,584 61,584 522,138 3,382,566 3,382,566 3,551,69477 77 0 57,458 57,458 522,138 3,635,650 3,635,650 3,817,43378 78 0 52,461 52,461 522,138 3,907,356 3,907,356 4,102,72479 79 0 46,431 46,431 522,138 4,199,007 4,199,007 4,408,95880 80 0 39,152 39,152 522,138 4,512,002 4,512,002 4,737,602

43,200

Total

Total

Total

Total

page 18 of 26


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(subject to MRFISA)










81 81 0 30,308 30,308 522,138 4,847,804 4,847,804 5,090,19482 82 0 19,220 19,220 522,138 5,207,850 5,207,850 5,468,24383 83 0 5,842 5,842 522,138 5,594,011 5,594,011 5,873,71184 84 0 Lapse Lapse Lapse 6,007,979 6,007,979 6,308,37885 85 0 6,451,536 6,451,536 6,774,113

43,200

86 86 0 6,926,542 6,926,542 7,272,86987 87 0 7,434,972 7,434,972 7,806,72088 88 0 7,978,893 7,978,893 8,377,83889 89 0 8,560,050 8,560,050 8,988,05290 90 0 9,182,455 9,182,455 9,641,578

43,200

91 91 0 9,846,674 9,846,674 10,339,00892 92 0 10,562,884 10,562,884 10,985,39993 93 0 11,335,818 11,335,818 11,675,89394 94 0 12,172,835 12,172,835 12,416,29295 95 0 13,081,175 13,081,175 13,211,986

43,200

96 96 0 14,070,242 14,070,242 14,070,24297 97 0 15,133,262 15,133,262 15,133,26298 98 0 16,275,737 16,275,737 16,275,73799 99 0 17,503,577 17,503,577 17,503,577

100 100 0 18,823,134 18,823,134 18,823,13443,200

Total

Total

Total

Total

page 19 of 26


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(subject to MRFISA)










101 101 0 20,241,228 20,241,228 20,241,228102 102 0 21,765,188 21,765,188 21,765,188103 103 0 23,402,885 23,402,885 23,402,885104 104 0 25,162,776 25,162,776 25,162,776105 105 0 27,053,944 27,053,944 27,053,944

43,200

106 106 0 29,086,148 29,086,148 29,086,148107 107 0 31,269,870 31,269,870 31,269,870108 108 0 33,616,371 33,616,371 33,616,371109 109 0 36,137,747 36,137,747 36,137,747110 110 0 38,846,990 38,846,990 38,846,990

43,200

111 111 0 41,758,061 41,758,061 41,758,061112 112 0 44,885,951 44,885,951 44,885,951113 113 0 48,246,768 48,246,768 48,246,768114 114 0 51,857,812 51,857,812 51,857,812115 115 0 55,737,670 55,737,670 55,737,670

43,200

116 116 0 59,906,304 59,906,304 59,906,304117 117 0 64,385,160 64,385,160 64,385,160118 118 0 69,197,275 69,197,275 69,197,275119 119 0 74,367,392 74,367,392 74,367,392120 120 0 79,922,094 79,922,094 79,922,094

43,200

Total

Total

Total

Total

page 20 of 26


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Supplemental ReportNationwide Indexed UL Accumulator IINationwide Life and Annuity Insurance Company, Columbus, Ohio


Premium Summary


NLGP $91.00

TP: $1,986.90

MEP: $4,283.00

GAP: $3,097.00

GSP: $18,017.00

MRFISA (Yr 1):

CCCIEP

$998.52

$78.00No-Lapse Guarantee Premium (NLGP): The minimum monthly premium for 20 years to ensure that the No-Lapse Guarantee Policy Continuation provision remains in force. Please see the No-Lapse Guarantee PolicyContinuation description in the Narrative Summary for more details.

Target Premium (TP): This is the premium used in the calculation of producer compensation.

Modified Endowment Premium (MEP): As defined by the IRS Code 7702A, this premium represents the levelannual premium required for seven years to mature the policy under mortality charges at an annual interestrate of 4%.

Guideline Annual Premium (GAP): This premium represents the level annual premium required to mature thepolicy under mortality and expense charges, as defined in IRS Code 7702, at an annual interest rate of 4%.

Guideline Single Premium (GSP): This premium represents the single premium required to mature the policyunder mortality and expense charges, as defined in IRS Code 7702, at an annual interest rate of 6%.

Minimum Required Fixed Interest Strategy Allocation (MRFISA): A dollar amount equal to the estimatedMonthly Deductions for a 12 month period, assuming no changes to the policy during that policy year. Thisamount is determined each year and until this requirement is met, no value will be allocated into an IndexedInterest Strategy.

Conditional Credit and Conditional Interest Endorsement Premium (CCCIEP): Paying this premium each monththrough the beginning of policy year 16 will satisfy the premium requirement to receive the Conditional Creditand Conditional Interest Endorsement benefit, assuming no withdrawals, policy indebtedness or other policychanges are made. Please see Conditional Credit and Conditional Interest Endorsement description in theNarrative Summary for more details.

This supplemental report assumes that the currently illustrated nonguaranteed elements will continueunchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable thanthose shown.

page 21 of 26

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Premium Summary


Please see the basic illustration for further information on the guaranteed elements and other importantinformation.

page 22 of 26

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Input Summary - LedgerCase File: [Untitled]

Screen: Insured

Revised Illustration? NoIssue State TNFirst Name MollyLast Name BynumSex Female

Issue Age or D.O.B. (mm/dd/yyyy) 0Risk Class Standard NontobaccoRating? NoTax Bracket 30%

Screen: Face Amount and Premium

Total Specified Amount Option 500,000Section 7702 GPTReduce Specified Amount? NoDeath Benefit Option Optimal SwitchScheduled Premium 200.00 From 1 To 18Premium Mode MonthlyMonth to Begin Scheduled Premium 1

Lump Sum Premium 0Lump Sum Month First Year 11035 Exchange? NoAvoid MEC NoTarget Cash Value 10,000Target Year A120

Screen: Interest Rate and Income

Premium Allocation 100% 1-Yr High-Cap Multi-IndexMatured Segment Allocation Reallocate to Matured Segment

StrategyFixed Crediting Rate Current1-Yr Multi-Index 5.76%1-Yr S&P 500 Point-to-Point 5.76%1-Yr Uncapped S&P 500 Point-to-Point

5.76%

1-Yr High-Cap Multi-Index 7.39%1-Yr High-Cap S&P 500 Point-to-Point

7.39%

1-Yr Multi-Index with AdvancedMultiplier

5.76%

1-Yr S&P 500 Point-to-Point withAdvanced Multiplier

5.76%

Distribution Amounts 0.00 Withdraw / Borrow From A65To A79

Withdrawal Cap BasisLoan Interest Payment Method BorrowDistribution Mode Monthly

Screen: Riders

Long Term Care Rider II NoAccidental Death Benefit NoChild Term 0

Spouse Term 0Waiver Rider NoConditional Return of Premium No

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Screen: Output Design

General Ledger YesAnnual Cost Summary NoInternal Rate of Return NoPremium Summary YesNationwide Financial Strength NoValue of Life Insurance Report NoOCC Report NoOutlay/Tax Report NoSurrender Charge Report No

Monthly Cost Summary NoMonthly COI Report NoCost and Benefit Report NoNet Cost Per Dollar NoIUL as a Roth IRA Supplement(Distributions must be illustrated)

No

Insurance Based Income Solution(Distributions must be illustrated)

No

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Illustrated Goal Inputs


Not valid without compliance ledgers dated 4/25/2019

Premium Pay To Age a18Maturity or Lapse Age a120Cash Value Goal 10,000Target Year for Cash Value Goal 120Death Benefit Option Change Option 1 (Level)Death Benefit Option Change Year 14Optimal Switch YesNet Rate of Return/Current Interest Rate Assumed 7.39%Overloan Invoked N/A

Income Type N/ALoan Interest Payment Method N/AIncome Start/Stop Year N/AAnnualized Income Amount N/AIncome Frequency N/A

Specified Amount Change YearNew Base Specified Amount

N/AN/A

ATR Amount Change Year N/ANew ATR Specified Amount N/A

page 25 of 26

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The purpose of the table(s) below is to show what the crediting rate for the selected Indexed Interest Strategy would havebeen in a particular year based on the reference index performance in that year and the strategy's current Floor Rate, Participation Rate , Cap Rate or Spread Rate (as applicable). No multipliers (Nationwide Multiplier or NationwideAdvanced Multiplier) and no indexed strategy charges are included. The current rates for each Indexed InterestStrategy can be found in the Narrative Summary. The date used for the Change Rate(s) in the table(s) below is the 15thof January.

Past Reference Index performance is not predictive of or a guarantee of future Reference Index performance or the actualfuture crediting rates.


1-Yr High Cap Multi-IndexDow JonesIndustrial Weighted

NASDAQ-100® S&P 500® AverageSM Multi-Index Multi-blendStart End Historical Historical Historical Blend HypotheticalYear Year Change Rate Change Rate Change Rate Change Rate ** Crediting Rate

1999 2000 25.15% 7.75% 14.10% 18.36% 18.36%2000 2001 -6.78% -3.67% -9.48% -5.76% 0.00%2001 2002 -33.00% -10.66% -3.41% -11.51% 0.00%2002 2003 -29.07% -14.15% -7.56% -13.84% 0.00%2003 2004 17.07% 7.07% 5.13% 11.68% 11.68%2004 2005 -4.60% -0.03% -2.50% -1.68% 0.00%2005 2006 0.69% 2.54% 0.26% 1.53% 1.53%2006 2007 -4.15% 2.80% 5.38% 2.70% 2.70%2007 2008 5.01% 2.68% 4.67% 4.44% 4.44%2008 2009 -14.04% -15.79% -13.77% -14.26% 0.00%2009 2010 30.62% 15.22% 10.60% 21.99% 21.99%2010 2011 6.87% 1.90% 1.84% 4.38% 4.38%2011 2012 -0.54% -1.73% 2.05% 0.52% 0.52%2012 2013 12.12% 7.94% 4.96% 9.43% 9.43%2013 2014 14.38% 13.60% 12.54% 13.78% 13.78%2014 2015 6.91% 4.27% 1.49% 5.03% 5.03%2015 2016 8.26% 2.93% 1.02% 5.21% 5.21%2016 2017 11.62% 12.70% 13.87% 13.07% 13.07%2017 2018 16.59% 9.55% 11.83% 13.75% 13.75%2018 2019 3.69% -1.77% -3.35% 0.65% 0.65%

**The Weighted Index Blend Change Rate is calculated using a 50/30/20 performance weighting when all three indexes have a historical change rate, meaning that 50% ofbest performing index, 30% of the next best, and 20% of the third best performing index are used. In the event that only two of the indexes have a historical change rate, theperformance weighting would be 65/35, meaning 65% of the best performing index and 35% of the next best would be used. If only one index has a historical change rate then100% of that index is used.

page 26 of 26

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Life Insurance Illustration Nationwide Indexed UL ......charges, and guaranteed minimum crediting...

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