0000843075 2024-11-22 2024-11-22 0000843075 nationwide:C000222214Member vip:InvestmentOptionsRiskMember 2024-11-22 2024-11-22 0000843075 nationwide:C000222214Member vip:InsuranceCompanyRiskMember 2024-11-22 2024-11-22 0000843075 nationwide:C000222214Member 2024-11-22 2024-11-22 0000843075 nationwide:AssetAllocationServiceMember nationwide:C000222214Member 2024-11-22 2024-11-22 0000843075 nationwide:AssetRebalancingMember nationwide:C000222214Member 2024-11-22 2024-11-22 0000843075 nationwide:C000222214Member nationwide:InvestmentoptionrestrictionsMember 2024-11-22 2024-11-22 0000843075 nationwide:DollarCostAveragingMember nationwide:C000222214Member 2024-11-22 2024-11-22 0000843075 nationwide:SystematicWithdrawalsMember nationwide:C000222214Member 2024-11-22 2024-11-22 pure iso4217:USD utr:Y 0000843075 false N-4 N-4 Nationwide Variable Account-4 2024-11-22 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:15.5pt;"> <td colspan="2" style="background-color:#CCCCCC;border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:541.0pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:3pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;text-transform:uppercase;">RISKS</span></div></div></td></tr> <tr style="height:70pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risks Associated with </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment Options</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.125pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this contract is subject to the risk of poor investment performance of the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment options chosen by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option (including the Fixed Account) has its own unique risks.</span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectuses and disclosures for the investment options before making an </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks.</span></div></div></td></tr> <tr style="height:67.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:129.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance Company Risks</span></div></div></td> <td style="padding-bottom:2pt;padding-top:2.125pt;vertical-align:Top;width:411.5pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the contract is subject to the risks associated with Nationwide, including that </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations, (including interest payable for allocations to the Fixed Account), </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guarantees, or benefits are subject to the claims-paying ability of Nationwide. More </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">information about Nationwide, including its financial strength ratings, is available by </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">contacting Nationwide</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at the address and/or toll-free phone number indicated in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Service </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Requests</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Investment in this contract is subject to the risk of poor investment performance of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment options chosen by the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Owner.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Each investment option (including the Fixed Account) has its own unique risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Review the prospectuses and disclosures for the investment options before making an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">investment decision.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment in the contract is subject to the risks associated with Nationwide, including that </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">any obligations, (including interest payable for allocations to the Fixed Account), </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">guarantees, or benefits are subject to the claims-paying ability of Nationwide. More </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">information about Nationwide, including its financial strength ratings, is available by </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">contacting Nationwide</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at the address and/or toll-free phone number indicated in </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Service </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Requests</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Principal Risks</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● </span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:11pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">reserves the right to add, remove, and substitute investment options </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">available under the contract (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">The Sub-Accounts and Underlying Mutual Funds</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Allocation of subsequent purchase payments and transfers from another investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">option to the Fixed Account are not permitted (see The Fixed Account and Dollar Cost </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Averaging).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Allocations to the Fixed Account may not be transferred to another investment option </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">except for the purpose of Dollar Cost Averaging program (see The Fixed Account and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">Dollar Cost Averaging).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Not all investment options may be available under your contract (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Appendix A: </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:10.16pt;">Underlying Mutual Funds Available Under the Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers between Sub-Accounts are subject to policies designed to deter short-term </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">and excessively frequent transfers. </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Nationwide may restrict the form in which transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">requests will be accepted (see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;margin-left:0.0pt;">Transfer Restrictions</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment options restrictions</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Only the initial purchase payment may be allocated to the Fixed Account. The Fixed Account does not accept subsequent purchase payments or transfers of Contract Value from other investment options.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment options restrictions</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. Only the initial purchase payment may be allocated to the Fixed Account. The Fixed Account does not accept subsequent purchase payments or transfers of Contract Value from other investment options.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Assets in the Fixed Account are excluded from the program</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Assets in the Fixed Account are excluded from the program</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:auto;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see Contract Owner </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Services)</span></div></div></td> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Available for contracts with applications signed on </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">or after December 9, 2024</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only initial purchase payments to the contract are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">eligible for the program</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:541pt;"> <tr style="height:auto;"> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:114.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:3pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see Contract Owner </span></div> <div style="margin-left:3pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Services)</span></div></div></td> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:114pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span></div></div></td> <td style="background-color:#CCCCCC;border-right:0.5pt solid #000000;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:66pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">None</span></div></div></td> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:246.5pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:3pt;margin-top:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Available for contracts with applications signed on </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">or after December 9, 2024</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only initial purchase payments to the contract are </span></div> <div style="margin-left:2.75pt;margin-right:3pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">eligible for the program</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">(see Contract Owner </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Services)</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Long-term transfer </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">program involving </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">automatic transfer of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">assets</span> 0 <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Available for contracts with applications signed on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">or after December 9, 2024</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Transfers are only permitted from the Fixed Account</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">● Only initial purchase payments to the contract are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:10.16pt;">eligible for the program</span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Asset Allocation Service is not available for assets held in the Fixed Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;">Asset Rebalancing is not available for assets held in the Fixed Account.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Dollar Cost Averaging</span><span style="color:#000000;font-family:Arial;font-size:10pt;">For contracts with applications signed on or after December 9, 2024, the Dollar Cost Averaging program is available under the contract at the time of application. Dollar Cost Averaging is a long-term transfer program that allows the Contract Owner to make regular, level investments over time. Dollar Cost Averaging involves the automatic transfer of a specific amount from the Fixed Account into other Sub-Accounts. With this service, the Contract Owner benefits from the ability to invest in the Sub-Accounts over a period of time, thereby smoothing out the effects of market volatility. Nationwide does not guarantee that this program will result in profit or protect Contract Owners from loss.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Amounts allocated to the Fixed Account will be automatically transferred from the Fixed Account to any other Sub-Account(s). Only initial purchase payments to the contract are eligible for the Dollar Cost Averaging. Dollar Cost Averaging transfers may not be directed to the Fixed Account.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Transfers occur monthly or another frequency if permitted by Nationwide. Nationwide will process transfers until either value in the originating Fixed Account is exhausted or the Contract Owner instructs Nationwide to stop the transfers. When a Contract Owner instructs Nationwide to stop the transfers, all amounts remaining in the originating Fixed Account will automatically reallocate to the same Sub-Accounts as previously instructed by the Contract Owner, unless Nationwide is instructed otherwise. This means that a Contract Owner is only able to remain in the Fixed Account for a limited time. Dollar Cost Averaging transfers are not considered transfer events. The Contract Owner can contact the Service Center to change their allocations when they are participating in the Dollar Cost Averaging programs.</span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide reserves the right to stop establishing new Dollar Cost Averaging programs.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Nationwide is required by state law to reserve the right to postpone payment or transfer of assets from the Fixed Account for a period of up to six months from the date of the withdrawal or transfer request.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;"> </span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;margin-left:60.5pt;width:420pt;"> <tr style="height:18.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:5pt;padding-top:5pt;vertical-align:Bottom;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Example:</span></div></div></td></tr> <tr style="height:79.5pt;"> <td style="background-color:#CCCCCC;padding-bottom:2pt;padding-top:5pt;vertical-align:Top;width:420pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ms. T elects to participate in Dollar Cost Averaging and has allocated her initial purchase </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment of $25,000 to the Fixed Account. She has elected the six-month Dollar Cost </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Averaging program. The Fixed Account will serve as the source investment option for her </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Dollar Cost Averaging program. She would like the Dollar Cost Averaging transfers to be </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">allocated to Sub-Account L and Sub-Account M. Each month, Nationwide will automatically </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">transfer $5,000 from the Fixed Account and allocate $2,500 to Sub-Account M and $2,500 </span></div> <div style="margin-left:6pt;margin-right:6pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">to Sub-Account L.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;">The withdrawals will be taken from the Sub-Accounts and the Fixed Account proportionally unless Nationwide is instructed otherwise.</span>