PLANNING FORRETIREMENT

HELPING PUBLIC EMPLOYEES

PREPARE FOR AND LIVE IN RETIREMENT

Welcome

Your Future■

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Welcome

Reality:

Long-term or

assisted-living

care

Inflation

Outliving

your

money

Health

care

Welcome

you

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PlanPrimer

Plan PrimerPlan Primer

Compounding

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Plan Primer

Compounding

This illustration is a hypothetical compounding calculation assuming a 7% annual rate of return. It is not intended to serve as a projection or

prediction of the investment results of any specific investment. Investments are not guaranteed. Depending on your underlying investments,

your return may be higher or lower. Interest compounded annually based on beginning-year contributions. No taxes or fees are reflected in

this example, which would lower the results displayed.

Source: Nationwide Financial® (2012).

30 35 40 45 50 55 60 65

25-year Investment/

Compounding Period

$135,353at retirement

Investor 2’s account

10 Year Investment/

Compounding Period

Additional Compounding

On Top Of Investment

$160,474at retirement

Investor 2’s account

Plan Primer

*Chart assumptions: This hypothetical illustration assumes a 25% tax rate, $50

biweekly deferrals (for 25 years), and a 7% rate of return with reinvestment of

income. The tax-deferred total does not reflect fees and expenses incurred under

a particular investment. If these were taken into account, they would reduce the

performance shown. This hypothetical information is not intended to predict or

project the investment results of any specific investment. Investment return is

not guaranteed and will vary based on your investments and market experience.

Tax Advantage

$50 taxable= $37.50 contributed

After-tax

Account

$49,469

$50 pretax= $50 contributed

Deferred

Comp

Account

$63,885

Plan Primer

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Advantages...

Plan Primer

Smart choices

This table shows the cumulative value of 26 biweekly deferral amounts over 20, 25, and 30 years, assuming a compound annual rate of 7%

and a 25% federal tax rate, for a single person with an annual salary of $38,000 and one deduction for federal tax purposes. Actual investment

returns will vary from year to year, and the value of your account after the specified periods of years shown in the table may be less or more

than the amounts shown. This illustration is hypothetical and is not intended to serve as a projection of the investment results

of any specific investment. If fees and expenses were reflected, the returns would have been less.

Growth Period Ending Balance

Deferral Per Pay Paycheck Impact Annual DeferralAccumulation

10 Years

Accumulation

10 Years

Accumulation

10 Years

$25 $18.75 $650 $9,304 $27,605 $63,607

$50 $37.50 $1,300 $18,607 $55,210 $127,214

$75 $56.25 $1,950 $27,911 $82,815 $190,821

$100 $75.00 $2,600 $37,214 $110,420 $254,428

$200 $150.00 $5,200 $74,429 $220,841 $508,856

$300 $225.00 $7,800 $111,643 $331,261 $763,283

$400 $300.00 $10,400 $148,857 $441,681 $1,017,711

$500 $375.00 $13,000 $186,071 $552,102 $1,272,139

$600 $450.00 $15,600 $223,286 $662,522 $1,526,567

(Maximum) $654 $490.50 $17,000 $243,381 $722,149 $1,663,958

InvestmentBasics

Investment Basics

learning the lingo.

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Investment Basics

learning the lingo.

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Investment Basics

mutual funds?

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Investment Basics

risk and reward

International

Small-cap

Mid-cap

Large-cap

Bonds

Short Term Investments

Po

ten

tia

l R

ew

ard

(Th

e c

han

ce to

ma

ke

mo

ne

y)

Potential Risk(The chance to lose money)

InvestmentStrategy

Investment Strategy

the difference.

Investment Strategy

Investment Strategy

Conservative

Moderately

Conservative Moderate

Moderately

Aggressive Aggressive

International 5% 10% 15% 25% 30%

Small-cap 0% 0% 5% 5% 10%

Mid-cap 5% 10% 10% 15% 15%

Large-cap 10% 20% 30% 35% 40%

Bonds 40% 35% 25% 15% 5%

Short-term investments 40% 25% 15% 5% 0%

choose your style.

Asset allocation models provided by Ibbotson Associates Advisors, LLC, a leading financial consulting organization. Ibbotson uses a broad

approach to diversify holdings across asset categories, which include combinations of different types of stock investments, diversified real

return, bonds, and short-term investments.

Investment Strategy

Go hands-on or hands-off.

Hands-off A little of both Hands-on

Professionally

Managed Accounts1

Target Date Funds2,3/

Investor Profile Funds2

The Plan’s Available

Investments2/

Self-Directed Option2

1  Investment advice for Nationwide ProAccount is provided to plan participants by Nationwide Investment Advisors, LLC, an SEC-registered

adviser. Nationwide Investment Advisors, LLC, has hired Wilshire Associates Incorporated as the Independent Financial Expert for ProAccount.

2 Offering may not be available in your plan.

3 Target Maturity funds are designed to provide diversification and asset allocation across several types of investments and asset classes, primarily

by investing in underlying funds. Therefore, in addition to the expenses of the Target Maturity funds, an investor is indirectly paying a proportionate

share of the applicable fees and expenses of the underlying funds. Target Maturity funds are designed for people who plan to withdrawal funds

during or near a specific year. These funds use a strategy that reallocates equity exposure to a higher percentage of fixed investments over time.

As a result, the funds become more conservative as they approach retirement. It’s important to remember that no strategy can assure a profit or

prevent a loss in a declining market. A target date fund’s principal value is not guaranteed at any time, including the target date designated in the

fund’s name.

AccountManagement

Investment Strategy

in sync with your life.

Investment Strategy

A little bit more saving

could go a long way...

$2.80 gourmet coffee

x 258 working days in a year_____________________________________

$722.40 per year

Investment Strategy

a big difference over time.

This illustration is a hypothetical

compounding example that assumes

biweekly deferrals (for 35 years) at a 7%

annual effective rate of return. It illustrates

the principle of time and compounding. It is

not intended to predict or project the

investment results of any specific

investment. Investment returns are not

guaranteed and will vary depending on

investments and market experience. If

fees, taxes, and expenses were reflected,

the hypothetical returns would be less.

Year 1

Year 5

Year 10

Year 25

Year 30

$1,400,000

$1,200,000

$1,000,000

$800,000

$600,000

$400,000

$200,000

Increases

contributions

$25 per paycheck each year

$1,365,431

Maintains

$100 per paycheck

contributions

$375,338

Investment Strategy

Rebalance■

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Combine Catch up■

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Investment Strategy

Stay in the plan

Chart assumptions: 4% annualized effective rate of

return applied daily during “income” phase; and

withdrawals taken at the end of each month. The

systematic payout assumes a $0 balance at the end of

a 20-year period. Withdrawals may need to be more

than the amount shown to meet the required minimum

distribution requirements; withdrawals will be taxed as

ordinary income. This hypothetical illustration is not

intended to predict or project investment results. This

chart is not intended to project the performance of

your deferred compensation account. Investments

involve risk including possible loss of principal. Actual

investment results will vary depending on your

investments and market experience. Income stream

durations and amounts are not guaranteed.

Monthly Income for a

20-year Systematic Payout

Account Value

at Age 65

$100 $16,660

$250 $41,649

$500 $83,298

$750 $124,948

$1,000 $166,597

$1,500 $249,895

$2,000 $333,192

$3,000 $499,788

$4,000 $666,385

$4,000 $832,981

Investment Strategy

beneficiaries

Remember what matters

Take advantage of the plan

Think about investment basics

Refresh your strategy

Stay up-to-date and your accounts

Next Steps...

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

Information provided by Retirement Specialists is for educational purposes only

and is not intended as investment advice.

Nationwide Retirement Solutions, Inc. and Nationwide Life Insurance Company

(collectively "Nationwide") have endorsement relationships with the National

Association of Counties and the International Association of Firefighters-Financial

Corporation. More information about the endorsement relationships may be found

online at www.nrsforu.com.

Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety

of investment options to public sector retirement plans through variable annuity

contracts, trust or custodial accounts. Nationwide may receive payments from

mutual funds or their affiliates in connection with those investment options.

For more detail about the payments Nationwide receives, please visit

www.nrsforu.com.

Retirement Specialists are registered representatives of Nationwide Investment

Services Corporation, member FINRA. In MI only: Nationwide Investment

Svcs. Corporation.

Nationwide, the Nationwide framemark, and On Your Side

are service marks of Nationwide Mutual Insurance Company.

©2012 Nationwide Retirement Solutions Inc. All rights reserved.

NRM-4952AO.4 (11/12)