Nationwide Destination SM B 2.0 Invest in your future

Transcription

1 Investment choices performance report December 31, 2016 Nationwide Destination SM B 2.0 Invest in your future

2 Answers to frequently asked questions. What you should know about purchasing a variable annuity What is a variable annuity? A variable annuity is an insurance contract designed to help you create a fixed or variable stream of retirement income through a process called annuitization. With a variable annuity, you can invest in one product with multiple underlying investment options and direct money into subaccounts based on how much risk you re willing to take. Variable annuities are for long-term investing; they re not appropriate for short-term financial goals. And variable annuities have fees and charges that include mortality and expense fees, administrative fees and contract maintenance fees. These fees are a percentage of the investment account value. What kind of investments can I choose from? Variable annuities offer a wide range of professionally managed investment options. With choices such as equity, bond and money market funds, you can create a portfolio designed to meet your investment goals. Please keep in mind that because these investment choices are subject to market fluctuation, investment risk and possible loss of principal, your annuity s value will vary depending on how they perform. Investment choices within a variable annuity are not publicly traded mutual funds and are only available for purchase in variable products. Fees in investment choices cover the fund manager s services and the costs of the underlying investments. Why should I consider a variable annuity? Variable annuities offer tax deferral and compounding, unique features that can help you prepare for retirement. Investment gains within a variable annuity are tax deferred, meaning they re not taxed until you take money from the annuity. This allows more of your money to remain invested. And when combined with the power of compounding, your investment has the potential to accumulate faster than taxable investments earning the same rate of return. When you decide to withdraw money from a variable annuity, the taxable portion will be subject to ordinary income tax. If you take your money out early, surrender charges may apply and, if you take it out before age 59½, a 10% federal tax penalty may apply. When would I be able to draw income from an annuity? Income from an annuity can be either deferred or immediate depending on the type of annuity you own and its features. Keep in mind that the guarantee of continued payments depends on the claims-paying ability of the insurance company. Deferred annuities Deferred annuities are designed to help you grow your assets and provide income at a later time. They re for long-term goals, like planning for retirement. They can be purchased through payments over time or with a single payment. Immediate annuities Immediate annuities are designed to start providing income right away. They re usually purchased with a lump-sum payment by people who have already retired or are close to retirement. What are the other features? Some variable annuities offer living features, like guaranteed accumulation, guaranteed withdrawal features or principal protection for extra security, at an additional cost. Most variable annuities offer a death feature a payment made to your beneficiary after your death which will be adjusted proportionally for any previous withdrawals. Other features, known as riders, may be offered at an additional cost as optional features.

3 Investment choices performance report Quality investments, confident choices What matters most to you also matters to us. That s why our team of investment specialists devotes both time and effort to build a lineup of quality investment options that you can choose from with confidence. We do the homework for you researching investments, crunching the numbers and looking for options that have demonstrated consistency in style, management and performance over time. The result is a lineup of investment options from brand-name managers across multiple asset classes. For the investment options that bear the Nationwide Variable Insurance Trust (NVIT) name, we ve hired many of these managers as subadvisors to bring their strategies and experience to your portfolio. Other investment options are available to you directly from third-party managers. We brought investors like you greater choice back in 1982 by pioneering the multimanager approach to variable insurance products. Today, you can benefit from Nationwide s experience as a manager of managers to bring you the investment options that can help you meet your financial goals. It s natural to want to know how your investments are doing over time This performance report shows how the investment choices within this variable annuity have performed over a series of time periods. These investment choices are not publicly traded mutual funds and are only available for purchase in variable products. Fees and expenses Fees and expenses charged by the investment choices cover the cost of the underlying investment as well as the fund manager s services, and they are reflected in the performance figures. Annual maintenance charge: $30 Mortality and expense risk charge: 1.30% Contingent deferred sales charge (CDSC): CDSC 7% 7% 6% 5% 4% 3% 2% 0% Performance figures do not reflect the cost of optional riders. If the cost were included, performance figures would be lower. Helpful terms Annual maintenance charge: A fee charged to cover yearly expenses. Asset allocation: The mixture of asset classes an investor chooses based on his or her time horizon and risk tolerance. Markets are volatile and can decline in response to adverse developments. The use of asset allocation does not guarantee returns or protect you from potential losses. Asset class: A group of investments with similar characteristics, such as stocks, bonds or cash. Bear market: An extended period of declining stock prices, frequently occurring when there is an economic recession, unemployment is high and inflation is rising. Closed: A underlying investment option that is no longer accepting contributions from investors. Contingent deferred sales charge: A charge for withdrawals over a set time period that is highest at the beginning and drops to zero at the end of the time period. Current yield: A measure of the return an investor might expect if he or she purchased an investment and held it for one year. date: The date the underlying investment option first became available to investors. date: The date the underlying investment option was added to the Nationwide separate account. Mortality and expense risk charge: A fee assessed as a percentage of the contract value to cover the insurance guarantee, commissions, selling and administrative expenses. Separate account: An investment pool funded by contributions to variable contracts including variable annuities and variable life insurance. These assets are kept separate from Nationwide's general account. Short-term trading fees: Fees designed to offset the costs associated with short-term trading and to protect the long-term interests of all shareholders. Walled-off: An underlying investment option that is not open to new investors, but is still accepting contributions from existing investors. Variable products are sold by prospectus. Carefully consider the investment objectives, risks, charges and expenses. The product and underlying fund prospectuses contain this and other important information. Investors should read them carefully before investing. To request a copy, go to nationwide.com or call

4 Non-standardized performance: Without surrender charges (CDSC) applied The figures shown are calculated based on a one-time investment of $10,000 and reflect the deduction of all applicable charges, except for surrender charges (CDSC). These returns are measured from the inception date of the fund and may predate the offering of the fund in the Nationwide separate account. Where this occurs, the performance is hypothetical in that it depicts how the fund would have performed had it been available in the Nationwide separate account during the time period. -to-date returns are shown only for underlying investment options incepted on or before December 31 of the previous year. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call or visit nationwide.com. Performance figures shown for the stand-alone underlying investment options available with Nationwide living benefits do not reflect the cost of the optional living benefit riders. If the cost were included, performance figures would be lower. Nationwide Destination SM B 2.0 Stand-alone for The Nationwide Lifetime Income Rider Total Returns Periods Less Than 1 Month YTD Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 8,12 04/26/ % 3.57% 3.57% 1.31% 4.97% 2.86% NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/ % 4.43% 4.43% 1.43% 5.23% 3.16% NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/ % 2.96% 2.96% 0.75% 2.26% 2.12% NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/ % 3.89% 3.89% -0.53% N/A 1.63% NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/ % 4.54% 4.54% -0.93% N/A 1.61% NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/ % 4.32% 4.32% 1.33% 4.32% 2.92% NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/ % 4.62% 4.62% 1.89% 4.96% 6.85% NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/ % 2.61% 2.61% 1.16% 2.04% 1.87% NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/ % 4.04% 4.04% -0.05% N/A 1.59% NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/ % 5.26% 5.26% -0.15% N/A 1.72% NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/ % 4.03% 4.03% 1.80% 4.09% 2.56% NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/ % 6.84% 6.84% N/A N/A 0.99% Three 10

5 Nationwide Destination SM B 2.0 Stand-alone for Nationwide Lifetime Income Capture SM Total Returns Periods Less Than 1 Month YTD Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 8,12 04/26/ % 3.57% 3.57% 1.31% 4.97% 2.86% NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/ % 4.43% 4.43% 1.43% 5.23% 3.16% NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/ % 2.96% 2.96% 0.75% 2.26% 2.12% NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/ % 3.89% 3.89% -0.53% N/A 1.63% NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/ % 4.54% 4.54% -0.93% N/A 1.61% NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/ % 5.06% 5.06% 1.72% 6.23% 3.42% NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/ % 4.32% 4.32% 1.33% 4.32% 2.92% NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/ % 4.62% 4.62% 1.89% 4.96% 6.85% NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/ % 2.61% 2.61% 1.16% 2.04% 1.87% NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/ % 4.04% 4.04% -0.05% N/A 1.59% NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/ % 5.26% 5.26% -0.15% N/A 1.72% NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/ % 5.45% 5.45% 2.30% 6.08% 2.87% NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/ % 4.03% 4.03% 1.80% 4.09% 2.56% NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/ % 6.84% 6.84% N/A N/A 0.99% Three 10

6 Nationwide Destination SM B 2.0 Stand-alone for Nationwide Lifetime Income Track SM Total Returns Periods Less Than 1 Month YTD American Funds NVIT Asset Allocation Fund - Class II 2,3,14 08/01/ % 7.29% 7.29% 3.28% 8.84% 3.87% Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 8,12 04/26/ % 3.57% 3.57% 1.31% 4.97% 2.86% Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 2 8,12 04/26/ % 4.13% 4.13% 1.64% 5.92% 2.79% Loring Ward NVIT Moderate Fund - Class II 8,11,14 01/07/ % 7.06% 7.06% 1.22% N/A 4.84% NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/ % 4.43% 4.43% 1.43% 5.23% 3.16% NVIT Cardinal SM Capital Appreciation Fund - Class II 8,14 03/27/ % 5.63% 5.63% 1.86% 7.18% 3.63% NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/ % 2.96% 2.96% 0.75% 2.26% 2.12% NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/ % 3.89% 3.89% -0.53% N/A 1.63% NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/ % 4.54% 4.54% -0.93% N/A 1.61% NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/ % 5.06% 5.06% 1.72% 6.23% 3.42% NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/ % 4.32% 4.32% 1.33% 4.32% 2.92% NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/ % 4.62% 4.62% 1.89% 4.96% 6.85% NVIT Investor Destinations Capital Appreciation Fund - Class II 8,14 03/24/ % 6.04% 6.04% 2.43% 6.96% 9.14% NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/ % 2.61% 2.61% 1.16% 2.04% 1.87% NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/ % 4.04% 4.04% -0.05% N/A 1.59% NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/ % 5.26% 5.26% -0.15% N/A 1.72% NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/ % 5.45% 5.45% 2.30% 6.08% 2.87% NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/ % 4.03% 4.03% 1.80% 4.09% 2.56% NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/ % 6.84% 6.84% N/A N/A 0.99% Three 10

7 Non-standardized performance: Without surrender charges (CDSC) applied The figures shown are calculated based on a one-time investment of $10,000 and reflect the deduction of all applicable charges, except for surrender charges (CDSC). These returns are measured from the inception date of the fund and may predate the offering of the fund in the Nationwide separate account. Where this occurs, the performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. -to-date returns are shown only for underlying investment options incepted on or before December 31 of the previous year. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call or visit nationwide.com. Nationwide Destination SM B 2.0 Total Returns Periods Less Than 1 Month YTD Large cap stocks: Large-cap blend American Funds NVIT Growth-Income Fund - Class II 03/09/ % 9.35% 9.35% 5.69% 12.31% 4.10% Fidelity VIP Growth & Income Portfolio - Service Class 2 12/31/ % 14.01% 14.01% 5.87% 12.70% 4.82% Neuberger Berman NVIT Multi Cap Opportunities Fund - Class II 3 03/24/ % 11.77% 11.77% 4.46% 13.21% 4.71% NVIT Managed American Funds Growth-Income Fund - Class II 8,13 07/08/ % 8.32% 8.32% N/A N/A 3.52% NVIT Nationwide Fund - Class II 11/08/ % 9.42% 9.42% 6.07% 11.55% 3.60% NVIT S&P 500 Index Fund - Class II 02/07/ % 9.65% 9.65% 6.65% 12.45% 4.84% Oppenheimer Main Street Fund /VA - Service Shares 07/13/ % 9.56% 9.56% 6.52% 12.49% 4.56% Large cap stocks: Large-cap growth American Funds NVIT Growth Fund - Class II 02/08/ % 7.35% 7.35% 6.16% 12.10% 4.73% Fidelity VIP Growth Portfolio - Service Class 2 10/09/ % -1.05% -1.05% 4.41% 11.48% 5.30% Neuberger Berman NVIT Socially Responsible Fund - Class II 03/24/ % 8.38% 8.38% 4.94% 11.64% 5.92% NVIT Large Cap Growth Fund - Class II 03/24/ % 1.68% 1.68% 3.89% 11.97% 12.92% NVIT Multi-Manager Large Cap Growth Fund - Class II 03/24/ % 0.37% 0.37% 3.38% 10.90% 5.03% Three 10 Large cap stocks: Large-cap value American Century NVIT Multi Cap Value Fund - Class II 3 03/24/ % 18.35% 18.35% 7.37% 12.64% 13.37% BlackRock Equity Dividend VI Fund - Class III 07/01/ % 14.25% 14.25% 6.19% 10.07% 5.16% Fidelity VIP Equity-Income Portfolio - Service Class 2 10/09/ % 15.88% 15.88% 5.25% 11.14% 3.05% Invesco NVIT Comstock Value Fund - Class II 10/31/ % 15.75% 15.75% 4.51% 12.16% 3.68% MFS VIT Value Series - Service Class 01/02/ % 12.00% 12.00% 5.81% 12.60% 5.02% NVIT Multi-Manager Large Cap Value Fund - Class II 03/24/ % 14.24% 14.24% 5.62% 12.72% 5.01% Mid cap stocks: Mid-cap blend Dreyfus IP Mid Cap Stock Portfolio - Service Shares 3 12/29/ % 13.41% 13.41% 6.18% 13.37% 5.99% NVIT Mid Cap Index Fund - Class I 3 10/31/ % 18.43% 18.43% 6.96% 13.21% 7.02%

8 Nationwide Destination SM B 2.0 Total Returns Periods Less Than 1 Month YTD Mid cap stocks: Mid-cap growth Fidelity VIP Mid Cap Portfolio - Service Class /28/ % 10.17% 10.17% 3.63% 11.00% 5.65% Ivy Funds VIP Mid Cap Growth 3 04/28/ % 4.44% 4.44% 0.92% 8.08% 6.51% NVIT Multi-Manager Mid Cap Growth Fund - Class II 3 03/24/ % 4.38% 4.38% 1.47% 10.06% 4.99% Mid cap stocks: Mid-cap value AB VPS Small/Mid Cap Value Portfolio - Class B 3 05/01/ % 22.87% 22.87% 6.93% 14.17% 6.75% American Century VP Mid Cap Value Fund - Class II 3 10/29/ % 20.83% 20.83% 10.24% 14.48% 7.41% NVIT Multi-Manager Mid Cap Value Fund - Class II 3 03/24/ % 15.77% 15.77% 8.44% 14.37% 8.28% Small cap stocks: Small-cap blend NVIT Small Cap Index Fund - Class II 3 04/13/ % 19.00% 19.00% 4.64% 12.46% 4.89% Oppenheimer Main Street Small Cap Fund /VA - Service Shares 3 07/16/ % 15.85% 15.85% 5.57% 13.63% 5.75% Small cap stocks: Small-cap growth MFS VIT New Discovery Series - Service Class 3 04/28/ % 7.09% 7.09% -2.12% 9.29% 5.83% NVIT Multi-Manager Small Cap Growth Fund - Class II 3 05/03/ % 6.36% 6.36% 2.01% 10.95% 3.60% NVIT Multi-Manager Small Company Fund - Class II 3 10/23/ % 20.65% 20.65% 4.84% 12.67% 5.19% Wells Fargo VT Small Cap Growth Fund - Class /01/ % 6.05% 6.05% -0.74% 9.05% 5.77% Small cap stocks: Small-cap value Delaware VIPT Small Cap Value - Service Class 3 05/01/ % 29.09% 29.09% 7.28% 12.68% 6.41% NVIT Multi-Manager Small Cap Value Fund - Class II 3 11/03/ % 23.69% 23.69% 6.21% 14.46% 5.47% International stocks: Emerging markets Lazard Retirement Emerging Markets Equity Portfolio - Service Shares 2,5 11/04/ % 18.91% 18.91% -4.32% 0.49% 1.02% NVIT Emerging Markets Fund - Class II 2,5 08/30/ % 5.78% 5.78% -6.89% -1.65% -2.77% International stocks: Foreign large blend MFS VIT II International Value Portfolio - Service Class 2 08/23/ % 2.20% 2.20% 2.10% 8.89% 3.26% NVIT International Equity Fund - Class II 2,10 08/30/ % -0.97% -0.97% -2.71% 3.92% 0.05% NVIT International Index Fund - Class VIII 2 04/28/ % -1.08% -1.08% -3.98% 4.25% -1.70% Putnam VT International Equity Fund - Class IB 2 01/02/ % -4.02% -4.02% -4.65% 5.66% -1.84% International stocks: Foreign large growth Fidelity VIP Overseas Portfolio - Service Class /28/ % -6.80% -6.80% -5.12% 5.43% -0.83% NVIT Multi-Manager International Growth Fund - Class II 2,10 03/24/ % -4.04% -4.04% -3.08% 4.35% 0.45% Oppenheimer International Growth Fund/VA - Service Shares 2 03/19/ % -4.28% -4.28% -3.93% 5.71% 1.40% Three 10

9 Nationwide Destination SM B 2.0 Total Returns Periods Less Than 1 Month YTD International stocks: Foreign large value NVIT Multi-Manager International Value Fund - Class II 2 11/01/ % 3.32% 3.32% -5.12% 3.30% -3.89% Templeton NVIT International Value Fund - Class I 2 03/24/ % -0.50% -0.50% -5.30% 3.47% 5.37% International stocks: World stock American Funds NVIT Global Growth Fund - Class II 2 04/30/ % -1.41% -1.41% 1.19% 9.62% 3.87% Oppenheimer Global Fund/VA - Service Shares 2 07/13/ % -1.75% -1.75% 0.23% 8.51% 2.57% Bonds: Emerging markets bond PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class 2,5,9 03/31/ % 11.45% 11.45% 2.22% 2.55% 3.94% Bonds: Floating rate bond Eaton Vance VT Floating-Rate Income Fund 4,5,6,9 05/02/ % 7.23% 7.23% 1.11% 2.24% 2.12% Bonds: High yield bond BlackRock High Yield VI Fund - Class III 4,9 04/20/ % 11.06% 11.06% 1.97% 5.31% 4.82% Federated NVIT High Income Bond Fund - Class I 4,9 10/31/ % 12.38% 12.38% 2.81% 5.28% 4.29% Ivy Funds VIP High Income 4,9 07/13/ % 14.38% 14.38% 1.79% 6.08% 5.98% Bonds: Inflation-protected bond American Century VP Inflation Protection Fund - Class II 6,9 12/31/ % 2.73% 2.73% 0.07% -0.95% 2.12% Bonds: Intermediate government bond NVIT Government Bond Fund - Class I 6,9 11/08/ % -0.86% -0.86% 0.10% -0.82% 1.71% Bonds: Intermediate-term bond American Funds NVIT Bond Fund - Class II 9 01/02/ % 1.02% 1.02% 0.82% 0.29% 0.90% BlackRock Total Return VI Fund - Class III 9 04/20/ % 0.83% 0.83% 1.24% 1.38% 2.02% Fidelity VIP Investment Grade Bond Portfolio - Service Class /05/ % 2.82% 2.82% 1.41% 0.88% 2.60% Janus Aspen Series Flexible Bond Portfolio - Service Shares 9 09/13/ % 0.60% 0.60% 0.64% 1.25% 3.75% Lord Abbett Series Total Return Portfolio - Class VC 9 04/30/ % 2.61% 2.61% 1.56% 1.40% 2.71% NVIT Core Bond Fund - Class II 9 03/24/ % 3.34% 3.34% 1.27% 1.14% 2.31% NVIT Core Plus Bond Fund - Class II 9 03/24/ % 1.70% 1.70% 0.91% 0.87% 3.18% PIMCO VIT Total Return Portfolio - Advisor Class 9 02/28/ % 0.95% 0.95% 0.72% 1.21% 3.63% Bonds: Multisector bond NVIT Multi Sector Bond Fund - Class I 2,4,9 10/31/ % 6.94% 6.94% 1.46% 2.36% 2.70% Bonds: World bond PIMCO VIT Foreign Bond Portfolio (Unhedged) - Advisor Class 2,9 03/31/ % 1.27% 1.27% -3.01% -2.79% 1.05% Templeton Global Bond VIP Fund - Class 2 2,9 01/24/ % 1.30% 1.30% -1.50% 1.63% 4.81% Short-term bonds: Short-term bond NVIT Short Term Bond Fund - Class II 9 03/24/ % 0.86% 0.86% -0.74% -0.37% 0.26% Three 10

10 Nationwide Destination SM B 2.0 Total Returns Periods Less Than 1 Month YTD Short-term bonds: Short-term bond PIMCO VIT Low Duration Portfolio - Advisor Class 9 03/31/ % -0.31% -0.31% -0.86% -0.08% 1.71% Short-term bonds: Ultrashort bond PIMCO VIT Short-Term Portfolio - Advisor Class 9 09/30/ % 0.65% 0.65% -0.33% -0.22% -0.23% Three 10 Cash: Cash NVIT Money Market Fund - Class I 7-day current yield: -1.30% *1,6 11/10/ % -1.59% -1.59% -1.60% -1.61% -0.93% Specialty: Equity sector Fidelity VIP Energy Portfolio - Service Class 2 5,10,15 07/19/ % 31.48% 31.48% -4.27% 2.07% 1.24% Janus Aspen Series Global Technology Portfolio - Service Shares 2,5 01/18/ % 12.08% 12.08% 7.51% 14.29% 8.15% Morgan Stanley UIF Global Infrastructure Portfolio - Class II 2,5,11 06/05/ % 13.18% 13.18% 2.86% 8.05% 4.78% T. Rowe Price Health Sciences Portfolio - Class II 5 12/29/ % % % 7.96% 19.29% 12.03% Specialty: Multialternative Guggenheim VF Multi-Hedge Strategies 3,5,16 11/29/ % -2.07% -2.07% 0.37% 0.35% -1.77% Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Service Class 2,5,15 05/01/ % 41.25% 41.25% % -4.29% -0.27% Specialty: Real estate NVIT Real Estate Fund - Class II 5,7 03/24/ % 5.49% 5.49% 7.47% 7.40% 4.09% Asset allocation: Aggressive allocation Franklin Founding Funds Allocation VIP Fund - Class 2 8,14 07/02/ % 11.41% 11.41% 1.32% 7.61% 1.25% NVIT Cardinal SM Aggressive Fund - Class II 8,14 03/27/ % 6.66% 6.66% 1.97% 9.17% 3.76% NVIT Cardinal SM Moderately Aggressive Fund - Class II 8,14 03/27/ % 5.90% 5.90% 1.84% 7.89% 3.64% NVIT Investor Destinations Aggressive Fund - Class II 8,14 12/12/ % 7.75% 7.75% 2.74% 9.23% 2.96% NVIT Investor Destinations Moderately Aggressive Fund - Class II 8,14 12/12/ % 6.78% 6.78% 2.52% 7.82% 2.98% *Current yield more closely reflects current money market fund earnings than the total return calculation.

11 Nationwide Destination SM B 2.0 Total Returns Periods Less Than 1 Month YTD Asset allocation: Conservative allocation Franklin Income VIP Fund - Class 2 4,14 01/24/ % 12.25% 12.25% 1.85% 5.66% 3.32% NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/ % 4.43% 4.43% 1.43% 5.23% 3.16% NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/ % 2.96% 2.96% 0.75% 2.26% 2.12% NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/ % 3.89% 3.89% -0.53% N/A 1.63% NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/ % 4.32% 4.32% 1.33% 4.32% 2.92% NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/ % 4.62% 4.62% 1.89% 4.96% 6.85% NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/ % 2.61% 2.61% 1.16% 2.04% 1.87% NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/ % 4.04% 4.04% -0.05% N/A 1.59% NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/ % 4.03% 4.03% 1.80% 4.09% 2.56% Asset allocation: Moderate allocation American Funds NVIT Asset Allocation Fund - Class II 2,3,14 08/01/ % 7.29% 7.29% 3.28% 8.84% 3.87% BlackRock NVIT Managed Global Allocation Fund - Class II 2,8,13,14 07/07/ % 1.34% 1.34% N/A N/A -3.52% Fidelity VIP Balanced Portfolio - Service Class 2 10,14 01/03/ % 5.29% 5.29% 4.05% 8.43% 4.48% Loring Ward NVIT Moderate Fund - Class II 8,11,14 01/07/ % 7.06% 7.06% 1.22% N/A 4.84% NVIT Cardinal SM Capital Appreciation Fund - Class II 8,14 03/27/ % 5.63% 5.63% 1.86% 7.18% 3.63% NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/ % 4.54% 4.54% -0.93% N/A 1.61% NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/ % 5.06% 5.06% 1.72% 6.23% 3.42% NVIT Investor Destinations Capital Appreciation Fund - Class II 8,14 03/24/ % 6.04% 6.04% 2.43% 6.96% 9.14% NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/ % 5.26% 5.26% -0.15% N/A 1.72% NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/ % 5.45% 5.45% 2.30% 6.08% 2.87% NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/ % 6.84% 6.84% N/A N/A 0.99% Asset allocation: Tactical allocation Goldman Sachs VIT Global Trends Allocation Fund - Service Shares 2,14 04/16/ % 2.68% 2.68% -0.90% N/A 2.43% PIMCO VIT All Asset Portfolio - Advisor Class 2,8,14 04/30/ % 11.14% 11.14% -0.64% 1.81% 2.56% Asset allocation: Target date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 8,12 04/26/ % 3.57% 3.57% 1.31% 4.97% 2.86% Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 2 8,12 04/26/ % 4.13% 4.13% 1.64% 5.92% 2.79% Fidelity VIP Freedom Fund 2030 Portfolio - Service Class 2 8,12 04/26/ % 4.69% 4.69% 1.85% 7.50% 2.97% Asset allocation: World allocation BlackRock Global Allocation VI Fund - Class III 2,14 11/18/ % 2.16% 2.16% -0.06% 4.04% 3.06% Ivy Funds VIP Asset Strategy 2,14 05/01/ % -4.13% -4.13% -6.98% 3.15% 3.86% Loring Ward NVIT Capital Appreciation Fund - Class II 2,8,14 01/07/ % 9.64% 9.64% 1.97% N/A 6.05% Three 10

12 A. Non-standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $10,000 and reflect the deduction of all applicable charges. These returns are measured from the inception date of the underlying investment options and may predate the offering of the underlying investment options in the Nationwide separate account. Where this occurs, performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. B. Standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $1,000 and reflect the deduction of all applicable charges. These returns are measured from the date the underlying investment options was included in the Nationwide separate account. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call or visit nationwide.com. Nationwide Destination SM B 2.0 A. Non-standardized Performance: 10 B. Standardized Performance: 10 Large cap stocks: Large-cap blend American Funds NVIT Growth-Income Fund - Class II 03/09/ % 11.80% 4.10% -0.35% 9.67% 0.33% 05/01/2007 Fidelity VIP Growth & Income Portfolio - Service Class 2 12/31/ % 12.20% 4.82% N/A N/A 2.62% 05/02/2016 Neuberger Berman NVIT Multi Cap Opportunities Fund - Class II 3 03/24/ % 12.72% 4.69% 2.07% 10.65% 0.50% 05/01/2008 NVIT Managed American Funds Growth-Income Fund - Class II 8,13 07/08/ % N/A 1.07% -1.38% N/A -2.62% 07/14/2014 NVIT Nationwide Fund - Class II 11/08/ % 11.03% 3.60% -0.28% 8.84% 0.14% 11/15/2002 NVIT S&P 500 Index Fund - Class II 02/07/ % 11.94% 4.84% -0.05% N/A 6.27% 05/01/2013 Oppenheimer Main Street Fund /VA - Service Shares 07/13/ % 11.98% 4.56% -0.14% 9.84% 1.26% 11/15/2002 Large cap stocks: Large-cap growth American Funds NVIT Growth Fund - Class II 02/08/ % 11.59% 4.73% -2.35% 9.43% 1.55% 05/01/2006 Fidelity VIP Growth Portfolio - Service Class 2 10/09/ % 10.96% 5.30% % 8.84% 2.36% 11/15/2002 Neuberger Berman NVIT Socially Responsible Fund - Class II 03/24/ % 11.12% 5.90% -1.32% 8.94% 2.35% 05/01/2008 NVIT Large Cap Growth Fund - Class II 03/24/ % 11.46% 12.90% -7.94% 9.39% 9.83% 05/01/2009 NVIT Multi-Manager Large Cap Growth Fund - Class II 03/24/ % 10.36% 5.01% -9.17% 8.24% 1.19% 05/01/2008 Large cap stocks: Large-cap value American Century NVIT Multi Cap Value Fund - Class II 3 03/24/ % 12.13% 13.35% 8.65% 9.95% 10.76% 05/01/2009 BlackRock Equity Dividend VI Fund - Class III 07/01/ % 9.52% 5.16% 4.55% N/A -0.87% 05/01/2015 Fidelity VIP Equity-Income Portfolio - Service Class 2 10/09/ % 10.62% 3.05% 6.18% 8.40% -0.61% 11/15/2002 Invesco NVIT Comstock Value Fund - Class II 10/31/ % 11.65% 3.68% 6.05% 9.52% 0.17% 02/14/2003 MFS VIT Value Series - Service Class 01/02/ % 12.10% 5.02% 2.30% 9.97% 1.93% 11/15/2002 NVIT Multi-Manager Large Cap Value Fund - Class II 03/24/ % 12.22% 4.99% 4.54% 10.10% 1.16% 05/01/2008

13 Nationwide Destination SM B 2.0 A. Non-standardized Performance: 10 B. Standardized Performance: 10 Mid cap stocks: Mid-cap blend Dreyfus IP Mid Cap Stock Portfolio - Service Shares 3 12/29/ % 12.88% 5.99% 3.71% N/A 1.36% 05/01/2014 NVIT Mid Cap Index Fund - Class I 3 10/31/ % 12.72% 7.02% 8.73% 10.58% 4.19% 05/01/2000 Mid cap stocks: Mid-cap growth Fidelity VIP Mid Cap Portfolio - Service Class /28/ % 10.46% 5.65% 0.47% 8.28% 2.85% 11/15/2002 Ivy Funds VIP Mid Cap Growth 3 04/28/ % 7.48% 6.51% -5.26% N/A 2.86% 05/01/2012 NVIT Multi-Manager Mid Cap Growth Fund - Class II 3 03/24/ % 9.51% 4.96% -5.32% 7.33% 1.34% 05/01/2008 Mid cap stocks: Mid-cap value AB VPS Small/Mid Cap Value Portfolio - Class B 3 05/01/ % 13.69% 6.75% 13.17% 11.59% 3.80% 11/15/2002 American Century VP Mid Cap Value Fund - Class II 3 10/29/ % 14.01% 7.41% 11.13% 11.87% 4.56% 05/02/2005 NVIT Multi-Manager Mid Cap Value Fund - Class II 3 03/24/ % 13.90% 8.26% 6.07% 11.82% 4.84% 05/01/2008 Small cap stocks: Small-cap blend NVIT Small Cap Index Fund - Class II 3 04/13/ % 11.96% 4.87% 9.30% N/A 6.70% 05/01/2013 Oppenheimer Main Street Small Cap Fund /VA - Service Shares 3 07/16/ % 13.14% 5.75% 6.15% 11.07% 2.56% 11/15/2002 Small cap stocks: Small-cap growth MFS VIT New Discovery Series - Service Class 3 04/28/ % 8.72% 5.83% -2.61% N/A 3.04% 05/01/2012 NVIT Multi-Manager Small Cap Growth Fund - Class II 3 05/03/ % 10.42% 3.60% -3.34% 8.26% 0.15% 11/15/2002 NVIT Multi-Manager Small Company Fund - Class II 3 10/23/ % 12.17% 5.19% 10.95% 9.99% 1.98% 11/15/2002 Wells Fargo VT Small Cap Growth Fund - Class /01/ % 8.48% 5.77% -3.65% 6.23% 3.04% 11/15/2004 Small cap stocks: Small-cap value Delaware VIPT Small Cap Value - Service Class 3 05/01/ % 12.18% 6.41% 19.39% N/A 8.19% 05/01/2013 NVIT Multi-Manager Small Cap Value Fund - Class II 3 11/03/ % 13.99% 5.47% 13.99% 11.92% 2.15% 11/15/2002 International stocks: Emerging markets Lazard Retirement Emerging Markets Equity Portfolio - Service Shares 2,5 11/04/ % -0.30% 1.02% 9.21% N/A -8.65% 05/01/2013 NVIT Emerging Markets Fund - Class II 2,5 08/30/ % -2.45% -2.77% -3.92% -5.21% -6.43% 11/15/2002 International stocks: Foreign large blend MFS VIT II International Value Portfolio - Service Class 2 08/23/ % 8.32% 3.26% -7.47% 6.06% 4.63% 05/03/2010 NVIT International Equity Fund - Class II 2,10 08/30/ % 3.23% 0.05% % 0.76% -6.59% 05/01/2008 NVIT International Index Fund - Class VIII 2 04/28/ % 3.56% -1.70% % 1.15% -5.71% 05/01/2006 Putnam VT International Equity Fund - Class IB 2 01/02/ % 5.01% -1.84% % 2.75% -5.99% 05/01/2003

14 Nationwide Destination SM B 2.0 A. Non-standardized Performance: 10 B. Standardized Performance: 10 International stocks: Foreign large growth Fidelity VIP Overseas Portfolio - Service Class /28/ % 4.77% -0.83% % 2.50% -4.53% 11/15/2002 NVIT Multi-Manager International Growth Fund - Class II 2,10 03/24/ % 3.67% 0.42% % 1.26% -3.61% 05/01/2008 Oppenheimer International Growth Fund/VA - Service Shares 2 03/19/ % 5.06% 1.40% % N/A % 05/01/2014 International stocks: Foreign large value NVIT Multi-Manager International Value Fund - Class II 2 11/01/ % 2.59% -3.89% -6.38% 0.09% -8.76% 05/01/2003 Templeton NVIT International Value Fund - Class I 2 03/24/ % 2.76% 5.34% -9.97% 0.32% 2.09% 05/01/2009 International stocks: World stock American Funds NVIT Global Growth Fund - Class II 2 04/30/ % 9.06% 3.87% % 6.92% 0.92% 05/01/2006 Oppenheimer Global Fund/VA - Service Shares 2 07/13/ % 7.92% 2.57% % 5.74% -0.69% 11/15/2002 Bonds: Emerging markets bond PIMCO VIT Emerging Markets Bond Portfolio - Advisor Class 2,5,9 03/31/ % 1.81% 3.94% 1.75% N/A -5.27% 04/30/2013 Bonds: Floating rate bond Eaton Vance VT Floating-Rate Income Fund 4,5,6,9 05/02/ % 1.50% 2.12% -2.47% N/A -3.40% 04/30/2013 Bonds: High yield bond BlackRock High Yield VI Fund - Class III 4,9 04/20/ % 4.65% 4.82% 1.36% N/A -6.29% 05/01/2015 Federated NVIT High Income Bond Fund - Class I 4,9 10/31/ % 4.62% 4.29% 2.68% 2.03% 1.51% 11/15/2002 Ivy Funds VIP High Income 4,9 07/13/ % 5.44% 5.98% 4.68% N/A 1.22% 05/01/2012 Bonds: Inflation-protected bond American Century VP Inflation Protection Fund - Class II 6,9 12/31/ % -1.76% 2.12% -6.97% -4.68% -0.50% 12/31/2002 Bonds: Intermediate government bond NVIT Government Bond Fund - Class I 6,9 11/08/ % -1.62% 1.71% % -4.53% -0.96% 01/02/1985 Bonds: Intermediate-term bond American Funds NVIT Bond Fund - Class II 9 01/02/ % -0.51% 0.90% -8.56% -3.35% -2.13% 05/01/2006 BlackRock Total Return VI Fund - Class III 9 04/20/ % 0.61% 2.02% -8.74% N/A -8.28% 05/01/2015 Fidelity VIP Investment Grade Bond Portfolio - Service Class /05/ % 0.09% 2.60% -6.88% -2.74% -0.08% 11/15/2002 Janus Aspen Series Flexible Bond Portfolio - Service Shares 9 09/13/ % 0.48% 3.75% -8.96% N/A -8.47% 05/01/2015 Lord Abbett Series Total Return Portfolio - Class VC 9 04/30/ % 0.63% 2.41% N/A N/A % 05/02/2016 NVIT Core Bond Fund - Class II 9 03/24/ % 0.36% 2.28% -6.36% -2.45% -0.43% 05/01/2008 NVIT Core Plus Bond Fund - Class II 9 03/24/ % 0.09% 3.16% -7.93% -2.71% 0.58% 05/01/2008 PIMCO VIT Total Return Portfolio - Advisor Class 9 02/28/ % 0.44% 3.63% -8.62% -2.33% -2.43% 05/02/2011 Bonds: Multisector bond NVIT Multi Sector Bond Fund - Class I 2,4,9 10/31/ % 1.62% 2.70% -2.76% -1.13% -0.11% 05/01/2000

15 Nationwide Destination SM B 2.0 A. Non-standardized Performance: 10 B. Standardized Performance: 10 Bonds: World bond PIMCO VIT Foreign Bond Portfolio (Unhedged) - Advisor Class 2,9 03/31/ % -3.58% 1.02% -8.33% -6.59% -1.58% 05/01/2009 Templeton Global Bond VIP Fund - Class 2 2,9 01/24/ % 0.87% 4.81% -8.30% N/A -6.52% 05/01/2013 Short-term bonds: Short-term bond NVIT Short Term Bond Fund - Class II 9 03/24/ % -1.18% 0.23% -8.71% -4.05% -2.82% 05/01/2008 PIMCO VIT Low Duration Portfolio - Advisor Class 9 03/31/ % -0.89% 1.71% -9.80% -3.70% -1.26% 05/01/2009 Short-term bonds: Ultrashort bond PIMCO VIT Short-Term Portfolio - Advisor Class 9 09/30/ % -1.03% -0.27% N/A N/A -8.72% 04/29/2016 Cash: Cash NVIT Money Market Fund - Class I 7-day current yield: -1.30% *1,6 11/10/ % -2.41% -0.93% % -5.37% -4.14% 01/02/1985 Specialty: Equity sector Fidelity VIP Energy Portfolio - Service Class 2 5,10,15 07/19/ % 1.33% 1.24% 21.78% -1.54% -1.92% 05/02/2005 Janus Aspen Series Global Technology Portfolio - Service Shares 2,5 01/18/ % 13.82% 8.15% 2.38% 11.75% 5.55% 05/01/2000 Morgan Stanley UIF Global Infrastructure Portfolio - Class II 2,5,11 06/05/ % 7.45% 4.78% 3.48% N/A % 05/01/2015 T. Rowe Price Health Sciences Portfolio - Class II 5 12/29/ % 18.89% 12.03% % 17.23% 14.58% 05/03/2010 Specialty: Multialternative Guggenheim VF Multi-Hedge Strategies 3,5,16 11/29/ % -0.45% -1.77% % N/A -4.45% 05/01/2013 Specialty: Natural resources VanEck VIP Trust Global Hard Assets Fund - Service Class 2,5,15 05/01/ % -5.07% -0.27% 31.55% N/A -9.92% 05/01/2012 Specialty: Real estate NVIT Real Estate Fund - Class II 5,7 03/24/ % 6.80% 4.06% -4.21% 4.39% 0.28% 05/01/2008 Asset allocation: Aggressive allocation Franklin Founding Funds Allocation VIP Fund - Class 2 8,14 07/02/ % 7.01% 1.23% 1.71% 4.66% -0.38% 05/01/2008 NVIT Cardinal SM Aggressive Fund - Class II 8,14 03/27/ % 8.60% 3.74% -3.04% 6.36% -0.25% 05/01/2008 NVIT Cardinal SM Moderately Aggressive Fund - Class II 8,14 03/27/ % 7.29% 3.61% -3.80% 4.97% -0.16% 05/01/2008 NVIT Investor Destinations Aggressive Fund - Class II 8,14 12/12/ % 8.66% 2.96% -1.95% 6.41% -0.35% 01/25/2002 NVIT Investor Destinations Moderately Aggressive Fund - Class II 8,14 12/12/ % 7.23% 2.98% -2.92% 4.88% -0.18% 01/25/2002 *Current yield more closely reflects current money market fund earnings than the total return calculation.

16 Nationwide Destination SM B 2.0 A. Non-standardized Performance: 10 B. Standardized Performance: 10 Asset allocation: Conservative allocation Franklin Income VIP Fund - Class 2 4,14 01/24/ % 5.01% 3.32% 2.55% 2.49% 0.33% 05/01/2006 NVIT Cardinal SM Balanced Fund - Class II 8,14 03/27/ % 4.57% 3.14% -5.27% 2.05% -0.23% 05/01/2008 NVIT Cardinal SM Conservative Fund - Class II 8,14 03/27/ % 1.52% 2.09% -6.74% -1.22% -0.98% 05/01/2008 NVIT Cardinal SM Managed Growth & Income Fund - Class II 8,11,13,14 04/30/ % N/A 0.22% -5.81% N/A -2.59% 05/01/2013 NVIT Cardinal SM Moderately Conservative Fund - Class II 8,14 03/27/ % 3.64% 2.89% -5.38% 1.05% -0.37% 05/01/2008 NVIT Investor Destinations Balanced Fund - Class II 8,14 03/24/ % 4.29% 6.82% -5.08% 1.73% 3.85% 05/01/2009 NVIT Investor Destinations Conservative Fund - Class II 8,14 12/12/ % 1.29% 1.87% -7.08% -1.49% -1.00% 01/25/2002 NVIT Investor Destinations Managed Growth & Income Fund - Class II 8,13,14 04/30/ % N/A 0.18% -5.66% N/A -2.65% 05/01/2013 NVIT Investor Destinations Moderately Conservative Fund - Class II 8,14 12/12/ % 3.40% 2.56% -5.67% 0.77% -0.35% 01/25/2002 Asset allocation: Moderate allocation American Funds NVIT Asset Allocation Fund - Class II 2,3,14 08/01/ % 8.27% 3.87% -2.41% 5.97% 0.84% 05/01/2006 BlackRock NVIT Managed Global Allocation Fund - Class II 2,8,13,14 07/07/ % N/A -8.32% -8.27% N/A % 07/13/2015 Fidelity VIP Balanced Portfolio - Service Class 2 10,14 01/03/ % 7.84% 4.48% N/A N/A -5.65% 05/02/2016 Loring Ward NVIT Moderate Fund - Class II 8,11,14 01/07/ % N/A 3.66% -2.64% N/A -0.17% 05/01/2013 NVIT Cardinal SM Capital Appreciation Fund - Class II 8,14 03/27/ % 6.57% 3.60% -4.07% 4.20% -0.01% 05/01/2008 NVIT Cardinal SM Managed Growth Fund - Class II 8,11,13,14 04/30/ % N/A 0.20% -5.16% N/A -2.57% 05/01/2013 NVIT Cardinal SM Moderate Fund - Class II 8,14 03/27/ % 5.60% 3.40% -4.64% 3.16% -0.08% 05/01/2008 NVIT Investor Destinations Capital Appreciation Fund - Class II 8,14 03/24/ % 6.35% 9.12% -3.66% 3.93% 6.07% 05/01/2009 NVIT Investor Destinations Managed Growth Fund - Class II 8,11,13,14 04/30/ % N/A 0.31% -4.44% N/A -2.49% 05/01/2013 NVIT Investor Destinations Moderate Fund - Class II 8,14 12/12/ % 5.44% 2.87% -4.25% 2.96% -0.14% 01/25/2002 NVIT Managed American Funds Asset Allocation Fund - Class II 8,13,14 07/08/ % N/A -1.57% -2.86% N/A -5.04% 07/14/2014 Asset allocation: Tactical allocation Goldman Sachs VIT Global Trends Allocation Fund - Service Shares 2,14 04/16/ % N/A 1.58% -7.01% N/A -1.39% 05/01/2012 PIMCO VIT All Asset Portfolio - Advisor Class 2,8,14 04/30/ % 1.05% 2.56% 1.44% N/A -3.28% 05/01/2012 Asset allocation: Target date Fidelity VIP Freedom Fund 2010 Portfolio - Service Class 2 8,12 04/26/ % 4.31% 2.86% -6.13% 1.78% -0.06% 05/02/2005 Fidelity VIP Freedom Fund 2020 Portfolio - Service Class 2 8,12 04/26/ % 5.28% 2.79% -5.57% 2.82% -0.25% 05/02/2005 Fidelity VIP Freedom Fund 2030 Portfolio - Service Class 2 8,12 04/26/ % 6.89% 2.97% -5.01% 4.55% -0.17% 05/02/2005 Asset allocation: World allocation BlackRock Global Allocation VI Fund - Class III 2,14 11/18/ % 3.35% 3.06% -7.50% 0.78% 3.26% 05/01/2009 Ivy Funds VIP Asset Strategy 2,14 05/01/ % 2.43% 3.86% % 0.05% 1.76% 05/01/2009 Loring Ward NVIT Capital Appreciation Fund - Class II 2,8,14 01/07/ % N/A 4.92% -0.06% N/A 1.05% 05/01/2013

17 Non-standardized performance: Without surrender charges (CDSC) applied The figures shown are calculated based on a one-time investment of $10,000 and reflect the deduction of all applicable charges, except for surrender charges (CDSC). These returns are measured from the inception date of the fund and may predate the offering of the fund in the Nationwide separate account. Where this occurs, the performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. -to-date returns are shown only for underlying investment options incepted on or before December 31 of the previous year. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call or visit nationwide.com. Walled-off and closed underlying investment options Nationwide Destination SM B 2.0 Status Total Returns Periods Less Than 1 Month YTD Large cap stocks: Large-cap blend Dreyfus Stock Index Fund, Inc. - Service Shares Walled Off 12/29/ % 9.70% 9.70% 6.65% 12.39% 4.75% Dreyfus VIF Appreciation Portfolio - Service Shares Walled Off 12/29/ % 5.94% 5.94% 2.48% 6.82% 3.95% Large cap stocks: Large-cap growth Janus Aspen Series Forty Portfolio - Service Shares Walled Off 05/01/ % 0.32% 0.32% 5.70% 13.24% 6.58% Mid cap stocks: Mid-cap blend Invesco VI Mid Cap Core Equity Fund - Series II 3 Walled Off 09/10/ % 11.40% 11.40% 2.45% 8.23% 3.95% Mid cap stocks: Mid-cap growth Rational Catalyst Insider Buying VA Fund 3 Walled Off 05/03/ % 9.27% 9.27% -1.31% 8.64% 4.53% Small cap stocks: Small-cap blend Dreyfus IP Small Cap Stock Index Portfolio - Service Shares 3 Walled Off 05/01/ % 23.80% 23.80% 7.17% 14.29% 6.90% Small cap stocks: Small-cap value Franklin VIPT Small Cap Value VIP Fund - Class 2 3 Walled Off 04/30/ % 28.20% 28.20% 4.94% 12.64% 5.68% International stocks: Foreign large blend Janus Aspen Series Overseas Portfolio - Service Shares 2 Walled Off 05/02/ % -8.22% -8.22% % -2.23% -2.70% Asset allocation: Aggressive allocation Northern Lights VT TOPS Managed Risk Growth ETF Portfolio - Class 4 8,13,14 Walled Off 05/01/ % 3.49% 3.49% -2.90% N/A 1.44% Asset allocation: Conservative allocation AB VPS Dynamic Asset Allocation Portfolio - Class B 2,14 Walled Off 04/01/ % 1.73% 1.73% 0.44% 3.51% 2.39% Northern Lights VT TOPS Managed Risk Balanced ETF Portfolio - Class 4 8,13,14 Walled Off 05/01/ % 4.14% 4.14% -0.47% N/A 1.29% Asset allocation: Moderate allocation American Funds Insurance Series Managed Risk Asset Allocation Fund - Class P2 2,3,8,13,14 Walled Off 09/28/ % 5.58% 5.58% 1.34% N/A 5.34% Northern Lights VT TOPS Managed Risk Moderate Growth ETF Portfolio - Class 4 8,13,14 Walled Off 05/01/ % 4.17% 4.17% -1.20% N/A 1.82% Three 10

18 A. Non-standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $10,000 and reflect the deduction of all applicable charges. These returns are measured from the inception date of the underlying investment options and may predate the offering of the underlying investment options in the Nationwide separate account. Where this occurs, performance is hypothetical in that it depicts how the underlying investment options would have performed had it been available in the Nationwide separate account during the time period. B. Standardized performance: With surrender charges (CDSC) applied The figures shown are based on a one-time investment of $1,000 and reflect the deduction of all applicable charges. These returns are measured from the date the underlying investment options was included in the Nationwide separate account. The results shown represent past performance and do not represent expected future performance or experience. Past performance does not guarantee future results. Investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the data quoted. To obtain performance data current to the most recent month-end or for closed and walled-off underlying investment options, please call or visit nationwide.com. Walled-off and closed underlying investment options Nationwide Destination SM B 2.0 Status A. Non-standardized Performance: 10 B. Standardized Performance: 10 Large cap stocks: Large-cap blend Dreyfus Stock Index Fund, Inc. - Service Shares Walled Off 12/29/ % 11.88% 4.75% 0.00% 9.74% 1.51% 11/15/2002 Dreyfus VIF Appreciation Portfolio - Service Shares Walled Off 12/29/ % 6.20% 3.95% -3.76% 3.78% 1.01% 11/15/2002 Large cap stocks: Large-cap growth Janus Aspen Series Forty Portfolio - Service Shares Walled Off 05/01/ % 12.75% 6.58% -9.21% 10.73% 3.98% 05/01/2000 Mid cap stocks: Mid-cap blend Invesco VI Mid Cap Core Equity Fund - Series II 3 Walled Off 09/10/ % 7.64% 3.95% 1.70% N/A 3.38% 05/01/2012 Mid cap stocks: Mid-cap growth Rational Catalyst Insider Buying VA Fund 3 Walled Off 05/03/ % 8.06% 4.53% -0.43% 5.87% 5.93% 11/01/2010 Small cap stocks: Small-cap blend Dreyfus IP Small Cap Stock Index Portfolio - Service Shares 3 Walled Off 05/01/ % 13.82% 6.90% 14.10% 11.69% 3.90% 05/01/2002 Small cap stocks: Small-cap value Franklin VIPT Small Cap Value VIP Fund - Class 2 3 Walled Off 04/30/ % 12.14% 5.68% 18.50% 9.95% 2.55% 11/15/2002 International stocks: Foreign large blend Janus Aspen Series Overseas Portfolio - Service Shares 2 Walled Off 05/02/ % -3.03% -2.70% % -5.68% -6.13% 05/01/2000 Asset allocation: Aggressive allocation Northern Lights VT TOPS Managed Risk Growth ETF Portfolio - Class 4 8,13,14 Walled Off 05/01/ % N/A 0.55% -6.21% N/A -2.53% 11/02/2012 Asset allocation: Conservative allocation AB VPS Dynamic Asset Allocation Portfolio - Class B 2,14 Walled Off 04/01/ % 2.81% 1.87% -7.91% N/A -0.97% 05/01/2012 Northern Lights VT TOPS Managed Risk Balanced ETF Portfolio - Class 4 8,13,14 Walled Off 05/01/ % N/A 0.39% -5.56% N/A -2.92% 11/02/2012 Asset allocation: Moderate allocation American Funds Insurance Series Managed Risk Asset Allocation Fund - Class P2 2,3,8,13,14 Walled Off 09/28/ % N/A 4.48% -4.12% N/A 1.63% 11/02/2012