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Playing it safe never felt so good

ELM^SM Index Annuity provided by Nationwide^® helps put the future you imagine in focus with the downside protection you need, and the opportunity for the growth you want.

ELM Index Annuity offers you:

• The security of knowing your contract won't decrease in value
• The choice of three different account options
• The value of upside potential
• The simplicity of a direct purchasing process

ELM Index Annuity may be right for you if you:

• Want more opportunity than offered by current fixed rates
• Need to protect what you already have
• Are in, or near, retirement
• Have a minimum of $10,000 to hold in place for at least seven years

Guarantees and protections are based on the claims paying ability of Nationwide Life Insurance Company

A natural fit for your retirement

With ELM Index Annuity, you get the upside potential you want without giving up the safety you need.

So, take a moment to look around. If you have any questions — or would like to consider a purchase — call us at 1-800-963-1749 for more information.

Important disclosures to consider

ELM Index Annuity is a deferred, fixed interest and index annuity. It allows you to create a fixed stream of income through a process called annuitization.

You may also make a full, or partial, withdrawal from your account. If you decide to take your money out early, you may face fees called Early Withdrawal Fees (EWF's). Plus, if you're not yet age 59½, you may have to pay an additional 10% tax penalty on top of ordinary income taxes. Naturally, if you do take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.

Federal income tax laws are complex and subject to change. The information in this document is based on current interpretations of the law and is not guaranteed. Neither the company, nor its representatives give legal, or financial advice.

You should consult your attorney or tax advisor for answers to your specific tax questions.

• NOT A BANK DEPOSIT
• NOT FDIC INSURED
• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

ELM^SM Index Annuity is issued by Nationwide Life Insurance Company, Columbus, Ohio, a member of Nationwide Financial^®.
Contract/Certificate: FAC-0106AO