Telephone: |
1-877-351-8808 (TDD: 1-800-238-3035) |
Facsimile: |
1-855-677-2357 |
Internet: |
www.nationwide.com |
U.S. Mail: |
Nationwide Life Insurance Company Nationwide Business Solutions Group PO Box 182568 Columbus, OH 43218-2568 |
The policy is intended to be sold through corporate sponsored benefit programs. When purchased in connection with such benefit programs, the policy may qualify for simplified underwriting. Simplified underwriting means that a physical examination to obtain medical information on the Insured is generally not required to issue the policy. |
Accumulation Unit – An accounting unit of measure of an investment in, or share of, a Sub-Account. Accumulation Unit values are initially set at $10 for each Sub-Account. |
Actively At Work and Actively-At-Work Requirement – Requirements that the Insured must satisfy in order for Nationwide to consider issuing the policy on their life. If an Insured is not Actively At Work on the Policy Date, then the Insured is not an eligible Insured under the policy. Actively-At-Work Requirements are stated on the insurance schedule part of the application and/or policy amendment. |
Attained Age – A person's Issue Age plus the number of full years since the Policy Date. |
Base Policy Specified Amount – The amount of insurance coverage selected under the base policy, excluding any Rider Specified Amount. |
Cash Surrender Value – The amount payable to the policy owner upon a full surrender of the policy. This amount is equal to the Enhanced Cash Value, minus Indebtedness and outstanding policy charges. |
Cash Value – The total amount allocated to the Sub-Accounts, the policy loan account, and the Fixed Account. |
Code – The Internal Revenue Code of 1986, as amended. |
Death Benefit – The amount paid upon the Insured's death, before the deduction of any Indebtedness, or due and unpaid policy charges. |
Enhanced Cash Value – The sum of the policy's Cash Value plus the Enhancement Benefit, if applicable. |
Enhancement Benefit – An additional amount added to the policy's Cash Value upon a full surrender of the policy during the applicable policy years, provided the qualifying conditions have been satisfied. |
– Any Premium applied to the policy that is not considered Target Premium. |
Fixed Account – An investment option that is funded by Nationwide's general account. |
Grace Period – A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse. |
In Force – Any time during which benefits are payable under the policy and any elected Rider(s). |
Indebtedness – The total amount of all outstanding policy loans, including principal and interest due. |
Insured – The person whose life is insured under the policy, and whose death triggers payment of the Death Benefit. To be eligible to be Insured under the policy, the Insured must meet all Actively-At-Work Requirements on the Policy Date, must have validly consented to be insured under the policy and meet any other underwriting requirements, including evidence of insurability. |
Investment Experience – The market performance of a mutual fund/Sub-Account. |
Issue Age – A person's age based on their last birthday on or before the Policy Date. |
Lapse – The policy terminates without value. |
Maturity Date – The policy anniversary on which the Insured reaches Attained Age120. |
Minimum Required Death Benefit – The lowest Death Benefit that will qualify the policy as life insurance under the Code. |
Nationwide – Nationwide Life Insurance Company. |
Net Amount At Risk – The base policy's Death Benefit minus the policy's Cash Value. |
Net Asset Value (NAV) – The price of each share of a mutual fund in which a Sub-Account invests. NAV is calculated by subtracting the mutual fund's liabilities from its total assets, and dividing that figure by the number of shares outstanding. Nationwide uses NAV to calculate the value of Accumulation Units. NAV does not reflect deductions made for charges taken from the Sub-Accounts. |
– The amount of Premium applied to the policy after the deduction of the Percent of Premium Charge. |
Policy Date – The date the policy takes effect as shown in the Policy Data Pages. Policy years, months, and anniversaries are measured from this date. |
Policy owner or Owner – The person or entity named as the owner on the application, or the person or entity assigned ownership rights. |
Policy Proceeds or Proceeds – The amount payable upon termination of the policy. Policy Proceeds may constitute the Death Benefit, the Maturity Proceeds, or the Cash Surrender Value upon a full surrender of the policy. |
Policy Data Page(s) – The Policy Data Page(s) are issued as part of the policy and contain information specific to the policy and the Insured, including coverage and Rider elections. Updated Policy Data Page(s) will be issued if the policy owner makes any changes to coverage elections after the policy is issued. |
– Amount(s) paid to purchase and maintain the policy. |
Rider – An optional benefit purchased under the policy. Rider availability and Rider terms may vary depending on the state in which the policy was issued. |
Rider Specified Amount – The portion of the Total Specified Amount attributable to the Additional Term Insurance Rider. |
SEC – Securities and Exchange Commission. |
Service Center – The department of Nationwide responsible for receiving all service and transaction requests relating to the policy. For service and transaction requests submitted other than by telephone (including fax requests), the Service Center is Nationwide's mail and document processing facility. For service and transaction requests communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to contact the Service Center is in the Contacting the Service Center provision. |
Sub-Account(s) – The mechanism used to account for allocations of Net Premium and Cash Value among the policy's variable investment options. |
Substandard Rating – An underwriting classification based on medical and/or non-medical factors used to determine what to charge for life insurance based on characteristics of the Insured beyond traditional factors for standard risks, which include age, and tobacco habits of the Insured. Substandard Ratings are shown in the Policy Data Pages as rate class multiples (medical factors) and/or monthly flat extras (medical and/or non-medical factors). The higher the rate class multiple or monthly flat extra, the greater the risk assessed and the higher the cost of coverage. |
– The maximum amount of Premium the policy owner may pay to purchase Base Policy Specified Amount under Section 7702A of the Code and still have the policy treated as a life insurance contract for federal tax purposes. This is the maximum Premium that the policy owner may pay based on the "7-Pay method", which determines the limits on Premium payments in each of the first seven policy years. The actual amount is based on numerous factors which include the Issue Age of the Insured, Substandard Ratings (if any), and an adjustment for any Premium exchanged into the policy under Section 1035 of the Code. |
Total Specified Amount – The sum of the Base Policy Specified Amount and the Rider Specified Amount, if applicable. |
Valuation Period – The period during which Nationwide determines the change in the value of the Sub-Accounts. One Valuation Period ends and another begins as of the close of regular trading on the New York Stock Exchange. |
Variable Account – Nationwide VLI Separate Account-4, a separate account that Nationwide established to hold policy owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts, each of which invests in a separate underlying mutual fund. |
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78 |
FEES AND EXPENSES |
Charges for Early Withdrawals |
Surrender Charge – There are no surrender charges upon a full surrender of the policy. Partial Surrender Fee – Deducted from the partial surrender amount requested (see Partial Surrender Fee). Currently, Nationwide waives the Partial Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial Surrender Fee assessed to each surrender will not exceed $25. |
Transaction Charges |
The policy owner may also be charged for other transactions as follows: • Percent of Premium Charge – Deducted from each Premium payment applied to a policy. • Illustration Charge – Upon requesting excessive illustrations (more than 10 requests in any 12 month period). • Rider Charges – One time rider charges for certain benefits, deducted upon invoking the rider. See Standard Policy Charges and Policy Riders and Rider Charges. |
Ongoing Fees and Expenses (periodic charges) |
In addition to surrender charges and transaction charges, an investment in the policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the policy and the cost of optional benefits available under the policy, and such fees and expenses are set based on characteristics of the Insured (e.g., age, sex, and rating classification), see Standard Policy Charges and Policy Riders and Rider Charges. Please refer to the Policy Data Page(s) of your policy for rates applicable to the policy. | ||
A policy owner will also bear expenses associated with the underlying mutual funds under the policy, as shown in the following table: | |||
Annual Fee |
Minimum |
Maximum | |
Investment options (underlying mutual fund fees and expenses) |
|
| |
|
1 |
RISKS | |
Risk of Loss |
|
Not a Short-Term Investment |
|
Risks Associated with Investment Options |
|
Insurance Company Risks |
|
RISKS |
Policy Lapse |
|
RESTRICTIONS | |
Investments |
|
Optional Benefits |
|
TAXES | |
Tax Implications |
|
CONFLICTS OF INTEREST | |
Investment Professional Compensation |
|
Exchanges |
|
Transaction Fees | |||
Charge |
When Charge is Deducted |
Amount Deducted | |
|
|
Maximum: Policy Year 1 received up to Target Premium for all policies; 12% of Premium received that exceeds Target Premium for all policies |
Currently: Policy Year 1 up to Target Premium for all policies; 2% of Premium if the policy is a modified endowment contract2; and 0% of Premium received that exceeds Target Premium if the policy is not a modified endowment contract |
|
|
Maximum: $ |
Currently: $ |
|
|
Maximum: $ |
Currently: $ |
|
|
Maximum: For policies issued with the guideline premium/ cash value corridor test: $ Cash Value For policies issued with the cash value accumulation test: $157 per $1,000 of Cash Value |
Minimum: $ Value |
|
Upon invoking the Rider |
$32 per $1,000 of Cash Value |
Periodic Charges Other than Annual Underlying Mutual Fund Expenses | |||
Base Contract Charges | |||
Charge |
When Charge is Deducted |
Amount Deducted | |
|
Monthly |
Maximum: $ Amount At Risk |
Minimum: $ Amount At Risk |
Representative: an individual Insured, unisex, Issue Age 42, non-tobacco, Total Specified Amount $250,000, Death Benefit Option 1, policy year 10 and issued on a guaranteed issue basis |
Monthly |
Currently: $0.37 per $1,000 of Net Amount At Risk1 |
|
|
Maximum: $ Extra assessed | |
|
|
Maximum: $ Base Policy Specified Amount |
Minimum: $ Policy Specified Amount |
Representative: an individual Insured, unisex, Issue Age 42, non-tobacco, Total Specified Amount $250,000, Death Benefit Option 1, policy year one and issued on a guaranteed issue basis |
Monthly |
Currently: $0.00 per $1,000 of Base Policy Specified Amount3 |
|
|
Maximum: allocated to the Sub- Accounts |
Currently: allocated to the Sub- Accounts4 |
|
|
Maximum: $ |
Currently: $ |
|
|
Maximum: |
Currently: |
Optional Benefit Charges | |||
Charge |
When Charge is Deducted |
Amount Deducted | |
The Rider is available for election until the Insured reaches Attained Age 100. |
|
Maximum: $ Rider Death Benefit |
Minimum: $ Rider Death Benefit |
|
Monthly |
$0.16 per $1,000 of Rider Death Benefit7 |
Optional Benefit Charges | |||
|
|
Maximum: $ Rider Specified Amount |
Minimum: $ Rider Specified Amount |
|
Monthly |
$0.00 per $1,000 of Rider Specified Amount |
Annual Underlying Mutual Fund Expenses | ||
|
Minimum |
Maximum |
|
|
|
Example: |
Assume the following: |
• The policy owner is Company X; |
• The Insured at the time of policy issue was an executive officer of Company X; |
• The Insured retires while the policy is In Force and not in a Grace Period; |
• Company X applies to change the Insured to its new executive officer; |
• The new executive officer meets Nationwide’s insurability and underwriting requirements. |
Coverage of the new Insured shall become effective on the date the Insured is changed, and the policy charges will reflect the new Insured’s Attained Age, sex (if not unisex- classified), rate type and rate classification including any Substandard Ratings. The Death Benefit Proceeds will be paid out after the death of the new Insured. |
Name of Benefit |
Purpose |
Is Benefit Standard or Optional |
Brief Description of Restrictions/Limitations |
Overloan Lapse Protection Rider |
Prevent the policy from Lapsing due to Indebtedness |
Optional |
• Subject to eligibility requirements to invoke the Rider • Election to invoke is irrevocable • Once invoked, all other Riders terminate (except the Additional Term Insurance Rider, if applicable) • Cash Value will be transferred to the Fixed Account and may not be transferred out • No further loans or partial surrenders may be taken from the policy |
Additional Term Insurance Rider |
Provides term life insurance on the Insured, in addition to that under the base policy |
Optional |
• Available for post-issue election until the Insured reaches Attained Age 100 • If purchase after the Policy Date, evidence of insurability is required |
Policy Year |
Rate on Target Premium |
Rate on Excess Premium |
1 |
10.00% |
2.00% |
2 |
8.00% |
2.00% |
3 |
6.00% |
2.00% |
4 |
5.00% |
2.00% |
5 |
4.00% |
2.00% |
6 |
3.00% |
2.00% |
7+ |
2.00% |
2.00% |
Policy Year |
Rate on Target Premium |
Rate on Excess Premium |
1 |
10.00% |
0.00% |
2 |
8.00% |
0.00% |
3 |
6.00% |
0.00% |
4 |
5.00% |
0.00% |
5 |
4.00% |
0.00% |
6 |
3.00% |
0.00% |
7+ |
2.00% |
0.00% |
Charge for policy years 1-20 |
Charge for policy years 21+ |
0.65% of Cash Value allocated to the Sub-Accounts |
0.40% of Cash Value allocated to the Sub-Accounts |
Charge for policy years 1-20 |
Charge for policy years 21+ |
0.50% of Cash Value allocated to the Sub-Accounts |
0.45% of Cash Value allocated to the Sub-Accounts |
Example: |
Assume a policy is currently In Force and the following: |
• Insured’s Attained Age is 75 |
• Policy is in its 27th policy year |
• Death Benefit Option 1 |
• Total Specified Amount: $700,000 |
• Indebtedness: $627,000 |
• Cash Value: $660,000 |
• Applicable age-based factor for determining rider charge: 4.60%* |
* Rate is subject to change based on product |
Using the above assumptions, a decision to invoke the Rider would impact the policy as follows: |
(1) The death benefit option will remain at Death Benefit Option 1. |
(2) The one-time charge for invoking the Rider will be $30,360 ($660,000 x 4.60%) and will be deducted from the Cash Value, reducing the Cash Value to $629,640 ($660,000 -$30,360). |
(3) The Total Specified Amount will remain at $700,000 since it is less than the Minimum Required Death Benefit of $712,611.90. |
(4) The non-loaned Cash Value $2,640 ($629,640 - $627,000) will be transferred to the Fixed Account where it will earn the minimum guaranteed fixed interest rate. |
(5) The policy loan account ($627,000) will continue to earn interest at the policy's loan crediting rate. |
(6) The Indebtedness ($627,000) will continue to grow at the policy's loan interest charged rate. |
(7) After this Rider is invoked, no other changes to the policy can be made |
Example: |
Assume the Base Policy Specified Amount is $700,000, Death Benefit Option 2, the Enhanced Cash Value is $70,000, and the Additional Term Insurance Rider Specified Amount is $300,000 and coverage under the Rider is in effect and has not otherwise terminated. Upon the death of the Insured, if the policy is not in corridor and there is no Indebtedness, the Death Benefit Proceeds under the base policy will be $770,000 and the Additional Term Insurance Death Benefit Proceeds will be $300,000, for a total of $1,070,000. |
Example: |
Assume the following: |
• The policy’s Cash Value is $43,000 and it is allocated entirely to the Sub-Accounts. |
• There is no existing Indebtedness. |
• The policy owner has requested a $6,000 policy loan at the beginning of the first Policy Year. |
*For reference, the maximum policy loan would be $38,700 = $43,000 x 90% - $0.00 (Indebtedness) |
Once the $6,000 loan is approved, $6,000 is paid directly to the policy owner from Nationwide. $6,000 is transferred from the Sub-Accounts to the policy loan account. This serves as collateral for Nationwide. The policy’s Indebtedness on the day of the loan is $6,000. |
Example: |
• At the end of the first Policy Year, assume the only loan the policy owner requested was the $6,000 loan. Assuming the policy owner has not made any loan repayments, the Indebtedness at the end of the next occurring policy anniversary is $6,120 due to $120 of accrued loan interest during the year ($6,000 + $120 = $6,120). Should a claim for the Death Benefit Proceeds be made, the Proceeds would be reduced by the $6,120 Indebtedness. |
• Assuming no loan repayments are ever made, Indebtedness continues to accrue interest. All unpaid loan interest will also be treated as new policy loans and loan interest will continue to accumulate as Indebtedness |
• If the policy owner submits a loan repayment, the amount of the loan repayment will be transferred from the policy loan account and credited to the Cash Value. |
• If any Indebtedness exists when the Death Benefit Proceeds become payable, the Death Benefit Proceeds will be reduced by the total Indebtedness. |
|
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Products Series Fund, Inc. - AB VPS Small/Mid Cap Value Portfolio: Class A) Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2020 Investment Advisor: |
0.88%* |
- |
- |
|
|
Series Fund, Inc. - AB VPS Growth and Income Portfolio: Class A) Investment Advisor: |
|
- |
|
|
|
(formerly, Allspring Variable Trust - VT Discovery Fund: Class 2) This Sub-Account is only available in policies issued before December 31, 2020 Investment Advisor: Subadvisor: |
1.15%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
0.73%* |
|
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
- |
|
Investment Advisor: |
0.90%* |
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: |
0.82%* |
- |
|
|
|
Investment Advisor: |
0.47%* |
- |
|
|
|
Investment Advisor: |
0.52%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.56%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.92%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: Subadvisor: |
0.80%* |
- |
|
|
|
Investment Advisor: |
0.60%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
0.99%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: Subadvisor: |
0.30%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: Subadvisor: |
|
- |
- |
|
|
Investment Advisor: |
0.28%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: |
0.78%* |
- |
- |
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
0.91%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: |
1.09%* |
- |
- |
|
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: |
0.52%* |
- |
- |
- |
|
Investment Advisor: |
0.81%* |
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2020 Investment Advisor: Subadvisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: |
0.80%* |
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: |
1.00%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: |
|
- |
- |
- |
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
0.99%* |
- |
|
|
|
Investment Advisor: |
1.05%* |
- |
|
|
|
Investment Advisor: |
1.12%* |
- |
|
|
|
Investment Advisor: |
0.78%* |
- |
- |
|
|
Investment Advisor: |
0.94%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: |
0.69%* |
- |
|
|
|
Investment Advisor: |
1.23%* |
- |
- |
- |
|
Investment Advisor: |
1.15%* |
- |
|
|
|
Investment Advisor: |
1.21%* |
- |
|
|
|
Investment Advisor: |
0.92%* |
- |
|
|
|
Investment Advisor: |
0.45%* |
- |
|
|
|
Investment Advisor: |
1.04%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
1.10%* |
- |
- |
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
This Sub-Account is only available in policies issued before December 31, 2021 Investment Advisor: Subadvisor: |
1.25%* |
- |
- |
|
|
Investment Advisor: |
0.57%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: Subadvisor: |
0.83%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
1.01%* |
- |
|
|
|
Investment Advisor: |
0.87%* |
- |
|
|
|
Investment Advisor: |
0.92%* |
- |
|
|
|
Investment Advisor: |
0.79%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.90%* |
- |
|
|
|
Investment Advisor: |
0.96%* |
- |
|
|
|
Investment Advisor: |
0.85%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
- |
|
|
Investment Advisor: Subadvisor: |
0.86%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
This Sub-Account is only available in policies issued before December 31, 2022 Investment Advisor: Subadvisor: |
0.70%* |
- |
- |
- |
|
Investment Advisor: Subadvisor: |
|
|
|
|
|
This Sub-Account is only available in policies issued before December 31, 2020 Investment Advisor: Subadvisor: |
0.98%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
0.43%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.44%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.81%* |
- |
|
|
|
This Sub-Account is only available in policies issued before December 31, 2023 Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: Subadvisor: |
0.93%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
1.09%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
1.06%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
1.05%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.98%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.92%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
1.54%* |
- |
|
|
|
Investment Advisor: |
|
- |
- |
- |
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
0.80%* |
- |
|
|
|
Investment Advisor: |
0.75%* |
- |
|
|
|
Investment Advisor: |
0.99%* |
- |
|
|
|
Investment Advisor: Subadvisor: |
0.84%* |
- |
|
|
|
Investment Advisor: |
0.85%* |
- |
|
|
|
Investment Advisor: |
|
|
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
Type |
Underlying Mutual Fund and Adviser/Sub-Adviser |
Current Expenses |
Average Annual Total Returns (as of 12/31/2022) | ||
1 year |
5 year |
10 year | |||
|
Investment Advisor: |
|
- |
|
|
|
This Sub-Account is only available in policies issued before May 1, 2020 Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
- |
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: |
|
- |
|
|
|
Investment Advisor: Subadvisor: |
0.85%* |
- |
|
|
State |
State Law Variations |
California |
• The Right to Cancel period is 30 days. • The Enhancement Benefit will not be reduced or eliminated in conjunction with an owner change or an assignment. |
Florida |
• The Right to Cancel period is 15 days. |
North Dakota |
• The Suicide provision in the policy and Additional Term Insurance Rider is limited to one year. |
Policy Year |
|
Base Policy Enhancement Percentage Schedule A |
|
Base Enhancement Percentage Schedule B |
| ||||
Month 1 |
|
Month 12 |
|
Month 1 |
|
Month 12 |
| ||
1 |
|
2.37% |
|
2.37% |
|
1.40% |
|
1.40% |
|
2 |
|
2.30% |
|
1.55% |
|
1.35% |
|
0.86% |
|
3 |
|
1.50% |
|
0.89% |
|
0.82% |
|
0.44% |
|
4 |
|
0.85% |
|
0.40% |
|
0.42% |
|
0.15% |
|
5 |
|
0.37% |
|
0.08% |
|
0.14% |
|
0.01% |
|
6 |
|
0.08% |
|
0.00% |
|
0.01% |
|
0.00% |
|
7+ |
|
0.00% |
|
0.00% |
|
0.00% |
|
0.00% |
|
|
|
Base Policy Enhancement Percentage | ||
Policy Year |
|
Month 1 |
|
Month 12 |
1 |
|
3.500% |
|
3.50% |
2 |
|
3.463% |
|
3.05% |
3 |
|
2.979% |
|
2.20% |
4 |
|
2.108% |
|
1.10% |
5 |
|
1.038% |
|
0.35% |
6 |
|
0.321% |
|
0.00% |
7+ |
|
0.00% |
|
0.00% |
|
|
Base Policy Enhancement Percentage | ||
Policy Year |
|
Month 1 |
|
Month 12 |
1 |
|
2.800% |
|
2.80% |
2 |
|
2.750% |
|
2.20% |
3 |
|
2.133% |
|
1.40% |
4 |
|
1.333% |
|
0.60% |
5 |
|
0.567% |
|
0.20% |
6 |
|
0.183% |
|
0.00% |
7+ |
|
0.00% |
|
0.00% |
Policy Year |
|
Base Policy Enhancement Percentage Schedule A |
|
Base Enhancement Percentage Schedule B |
|
Enhancement Cap A Percentage |
|
Enhancement Cap B Percentage | ||||
Month 1 |
|
Month 12 |
|
Month 1 |
|
Month 12 |
|
|
|
| ||
1 |
|
10.850% |
|
10.85% |
|
9.663% |
|
9.66% |
|
145% |
|
120% |
2 |
|
10.715% |
|
9.23% |
|
9.531% |
|
8.08% |
|
145% |
|
120% |
3 |
|
9.098% |
|
7.64% |
|
7.950% |
|
6.56% |
|
135% |
|
125% |
4 |
|
7.528% |
|
6.30% |
|
6.467% |
|
5.42% |
|
130% |
|
130% |
5 |
|
6.200% |
|
5.10% |
|
5.337% |
|
4.43% |
|
115% |
|
125% |
6 |
|
5.008% |
|
4.00% |
|
4.353% |
|
3.48% |
|
100% |
|
110% |
7 |
|
3.917% |
|
3.00% |
|
3.409% |
|
2.57% |
|
75% |
|
95% |
8 |
|
2.938% |
|
2.25% |
|
2.509% |
|
1.84% |
|
55% |
|
75% |
9 |
|
2.188% |
|
1.50% |
|
1.778% |
|
1.15% |
|
50% |
|
55% |
10 |
|
1.438% |
|
0.75% |
|
1.100% |
|
0.54% |
|
30% |
|
35% |
11 |
|
0.688% |
|
0.00% |
|
0.499% |
|
0.00% |
|
10% |
|
30% |
12+ |
|
0.000% |
|
0.00% |
|
0.000% |
|
0.00% |
|
0% |
|
0% |
Policy Year |
|
Base Policy Enhancement Percentage Schedule A |
|
Base Enhancement Percentage Schedule B |
|
Enhancement Cap A Percentage |
|
Enhancement Cap B Percentage | ||||
Month 1 |
|
Month 12 |
|
Month 1 |
|
Month 12 |
|
|
|
| ||
1 |
|
13.590% |
|
13.59% |
|
11.080% |
|
11.08% |
|
145% |
|
120% |
2 |
|
13.420% |
|
11.55% |
|
10.945% |
|
9.46% |
|
145% |
|
120% |
3 |
|
11.379% |
|
9.50% |
|
9.380% |
|
8.50% |
|
135% |
|
125% |
4 |
|
9.3583% |
|
7.80% |
|
8.450% |
|
7.90% |
|
130% |
|
130% |
5 |
|
7.671% |
|
6.25% |
|
7.808% |
|
6.80% |
|
115% |
|
125% |
6 |
|
6.113% |
|
4.60% |
|
6.675% |
|
5.30% |
|
100% |
|
110% |
7 |
|
4.475% |
|
3.10% |
|
5.183% |
|
3.90% |
|
75% |
|
95% |
Policy Year |
|
Base Policy Enhancement Percentage Schedule A |
|
Base Enhancement Percentage Schedule B |
|
Enhancement Cap A Percentage |
|
Enhancement Cap B Percentage | ||||
Month 1 |
|
Month 12 |
|
Month 1 |
|
Month 12 |
|
|
|
| ||
8 |
|
3.008% |
|
2.00% |
|
3.817% |
|
2.90% |
|
55% |
|
75% |
9 |
|
1.921% |
|
1.05% |
|
2.825% |
|
2.00% |
|
30% |
|
55% |
10 |
|
0.996% |
|
0.40% |
|
1.925% |
|
1.10% |
|
15% |
|
35% |
11 |
|
0.367% |
|
0.00% |
|
1.008% |
|
0.00% |
|
10% |
|
30% |
12+ |
|
0.00% |
|
0.00% |
|
0.00% |
|
0.00% |
|
0% |
|
0% |
|
|
Base Policy Enhancement Percentage |
|
Enhancement Cap Percentage | ||
Policy Year |
|
Month 1 |
|
Month 12 |
| |
1 |
|
11.200% |
|
11.20% |
|
120% |
2 |
|
10.983% |
|
8.60% |
|
110% |
3 |
|
8.354% |
|
5.65% |
|
95% |
4 |
|
5.429% |
|
3.00% |
|
75% |
5 |
|
2.84% |
|
1.08% |
|
45% |
6 |
|
0.99% |
|
0.00% |
|
25% |
7+ |
|
0.00% |
|
0.00% |
|
0% |
|
= |
6.06% x $200,000 =$12,120.00 |
Enhancement Cap |
= |
Enhancement Cap Percentage x Total Percent of Premium Charge Paid |
|
= |
120% x $15,250 =$18,300.00 |
Since $12,120.00 is less than the $18,300.00 Enhancement Cap, the Enhancement Benefit here is $12,120.00 |
|
= |
7.095% x $200,000 =$14,190.00 |
Enhancement Cap |
= |
Enhancement Cap Percentage x Total Percent of Premium Charge Paid |
|
= |
120% x $15,250 =$18,300.00 |
Since $14,190.00 is less than the $18,300.00 Enhancement Cap, the Enhancement Benefit here is $14,190.00 |
|
= |
1.38% x $200,000 =$2,755.00 |
Since there is no Enhancement Cap for modified endowment contracts, the Enhancement Benefit here is $2,755.00 |
Policy Year |
Target Premium Charge |
Excess Premium Charge |
80%/20% Charge Blend |
1 |
10.00% |
0.00% |
8.00% |
2 |
8.00% |
0.00% |
6.40% |
3 |
6.00% |
0.00% |
4.80% |
4 |
5.00% |
0.00% |
4.00% |
5 |
4.00% |
0.00% |
3.20% |
6 |
3.00% |
0.00% |
2.40% |
7+ |
2.00% |
0.00% |
1.60% |
Policy Year |
Base Policy Specified Amount Charge |
Rider Specified Amount Charge |
80%/20% Charge Blend |
1 |
$0.00 |
$0.00 |
$0.00 |
2 |
$0.00 |
$0.00 |
$0.00 |
3 |
$0.00 |
$0.00 |
$0.00 |
4 |
$0.00 |
$0.00 |
$0.00 |
5 |
$0.00 |
$0.00 |
$0.00 |
Policy Year |
Base Policy Specified Amount Charge |
Rider Specified Amount Charge |
80%/20% Charge Blend |
1 |
$80.00 |
$0.00 |
$64.00 |
2 |
$80.00 |
$0.00 |
$64.00 |
3 |
$80.00 |
$0.00 |
$64.00 |
4 |
$80.00 |
$0.00 |
$64.00 |
5 |
$80.00 |
$0.00 |
$64.00 |
Policy Year |
Base Cost of Insurance |
Rider Cost of Insurance |
80%/20% Charge Blend |
1 |
0.02667 |
0.00958 |
0.02325 |
2 |
0.05983 |
0.02156 |
0.05218 |
3 |
0.10216 |
0.03695 |
0.08912 |
4 |
0.15832 |
0.05742 |
0.13814 |
5 |
0.23601 |
0.08591 |
0.20599 |
Policy Year |
Base Cost of Insurance |
Rider Cost of Insurance |
80%/20% Charge Blend |
1 |
0.02435 |
0.01997 |
0.02347 |
2 |
0.05673 |
0.04009 |
0.05340 |
3 |
0.09548 |
0.07100 |
0.09058 |
4 |
0.14255 |
0.10607 |
0.13525 |
5 |
0.20091 |
0.14958 |
0.19064 |
Mutual Fund |
Current Variable Account Asset Charge Reduction |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Discovery Value Portfolio: Class A (formerly, AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Small/Mid Cap Value Portfolio: Class A) |
0.35% |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS International Value Portfolio: Class A |
0.35% |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Relative Value Portfolio: Class A (formerly, AllianceBernstein Variable Products Series Fund, Inc. - AB VPS Growth and Income Portfolio: Class A) |
0.35% |
Allspring Variable Trust - VT Discovery SMID Cap Growth Fund: Class 2 (formerly, Allspring Variable Trust - VT Discovery Fund: Class 2) |
0.35% |
Allspring Variable Trust - VT Small Cap Growth Fund: Class 2 |
0.50% |
American Century Variable Portfolios II, Inc. - American Century VP Inflation Protection Fund: Class I |
0.15% |
American Century Variable Portfolios, Inc. - American Century VP Value Fund: Class I |
0.35% |
American Funds Insurance Series® - Asset Allocation Fund: Class 2 |
0.25% |
American Funds Insurance Series® - Capital World Bond Fund: Class 2 |
0.25% |
American Funds Insurance Series® - Global Small Capitalization Fund: Class 2 |
0.25% |
American Funds Insurance Series® - Growth Fund: Class 2 |
0.25% |
American Funds Insurance Series® - Growth-Income Fund: Class 2 |
0.25% |
American Funds Insurance Series® - International Fund: Class 2 |
0.25% |
American Funds Insurance Series® - New World Fund®: Class 2 |
0.25% |
American Funds Insurance Series® - U.S. Government Securities Fund: Class 2 |
0.25% |
American Funds Insurance Series® - Washington Mutual Investors Fund: Class 2 |
0.25% |
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield V.I. Fund: Class I |
0.15% |
BlackRock Variable Series Funds, Inc. - BlackRock Global Allocation V.I. Fund: Class II |
0.40% |
BNY Mellon Investment Portfolios - MidCap Stock Portfolio: Initial Shares |
0.38% |
BNY Mellon Investment Portfolios - Small Cap Stock Index Portfolio: Service Shares |
0.35% |
BNY Mellon Stock Index Fund, Inc.: Initial Shares |
0.20% |
BNY Mellon Variable Investment Fund - Appreciation Portfolio: Initial Shares |
0.38% |
Calvert Variable Series, Inc. - Calvert VP SRI Mid Cap Portfolio |
0.25% |
Delaware VIP Trust - Delaware VIP Small Cap Value Series: Service Class |
0.50% |
DFA Investment Dimensions Group Inc. - VA Equity Allocation Portfolio: Institutional Class |
0.00% |
DFA Investment Dimensions Group Inc. - VA Global Bond Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VA Global Moderate Allocation Portfolio: Institutional Class |
0.00% |
DFA Investment Dimensions Group Inc. - VA International Small Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VA International Value Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VA Short-Term Fixed Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VA U.S. Large Value Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VA U.S. Targeted Value Portfolio |
0.00% |
DFA Investment Dimensions Group Inc. - VIT Inflation-Protected Securities Portfolio: Institutional Class |
0.00% |
Eaton Vance Variable Trust - Eaton Vance VT Floating-Rate Income Fund: Initial Class |
0.50% |
Federated Hermes Insurance Series - Federated Hermes Fund for U.S. Government Securities II |
0.25% |
Fidelity Variable Insurance Products - Emerging Markets Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2015 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2020 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2025 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2030 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2035 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2040 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2045 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2050 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2055 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2060 Portfolio: Service Class |
0.30% |
Mutual Fund |
Current Variable Account Asset Charge Reduction |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Fund 2065 Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom Income Fund Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Bond Index Portfolio: Service Class |
0.15% |
Fidelity Variable Insurance Products Fund - VIP Contrafund® Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Equity-Income Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Extended Market Index Portfolio: Service Class |
0.15% |
Fidelity Variable Insurance Products Fund - VIP Floating Rate High Income Portfolio: Initial Class |
0.10% |
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Index 500 Portfolio: Initial Class |
0.05% |
Fidelity Variable Insurance Products Fund - VIP International Index Portfolio: Service Class |
0.15% |
Fidelity Variable Insurance Products Fund - VIP Investment Grade Bond Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Real Estate Portfolio: Service Class |
0.30% |
Fidelity Variable Insurance Products Fund - VIP Total Market Index Portfolio: Service Class |
0.15% |
Fidelity Variable Insurance Products Fund - VIP Value Strategies Portfolio: Service Class |
0.30% |
Franklin Templeton Variable Insurance Products Trust - Franklin Mutual Global Discovery VIP Fund: Class 2 |
0.45% |
Franklin Templeton Variable Insurance Products Trust - Franklin Small Cap Value VIP Fund: Class 2 |
0.45% |
Franklin Templeton Variable Insurance Products Trust - Templeton Foreign VIP Fund: Class 2 |
0.45% |
Franklin Templeton Variable Insurance Products Trust - Templeton Global Bond VIP Fund: Class 1 |
0.20% |
Goldman Sachs Variable Insurance Trust - Goldman Sachs Small Cap Equity Insights Fund: Institutional Shares |
0.25% |
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series I |
0.25% |
Invesco - Invesco V.I. EQV International Equity Fund: Series I Shares |
0.35% |
Invesco - Invesco V.I. Global Fund: Series I |
0.25% |
Invesco - Invesco V.I. Growth and Income Fund: Series I Shares |
0.35% |
Invesco - Invesco V.I. High Yield Fund: Series I Shares |
0.35% |
Invesco - Invesco V.I. Main Street Fund: Series I |
0.25% |
Invesco - Invesco V.I. Main Street Small Cap Fund: Series I |
0.25% |
Invesco Oppenheimer V.I. International Growth Fund: Series I |
0.25% |
Ivy Variable Insurance Portfolios - Delaware Ivy Growth: Class II |
0.50% |
Ivy Variable Insurance Portfolios - Delaware Ivy Science and Technology: Class II |
0.50% |
Janus Aspen Series - Janus Henderson Balanced Portfolio: Service Shares |
0.35% |
Janus Aspen Series - Janus Henderson Enterprise Portfolio: Service Shares |
0.35% |
Janus Aspen Series - Janus Henderson Global Technology and Innovation Portfolio: Service Shares |
0.35% |
Lazard Retirement Series, Inc. - Lazard Retirement Emerging Markets Equity Portfolio: Service Shares |
0.50% |
Legg Mason Partners Variable Equity Trust - ClearBridge Variable Small Cap Growth Portfolio: Class I |
0.25% |
Lincoln Variable Insurance Products Trust - LVIP JPMorgan Core Bond Fund: Standard Class |
0.25% |
Lincoln Variable Insurance Products Trust - LVIP JPMorgan Mid Cap Value Fund: Standard Class |
0.35% |
Lincoln Variable Insurance Products Trust - LVIP JPMorgan Small Cap Core Fund: Standard Class |
0.25% |
Lincoln Variable Insurance Products Trust - LVIP JPMorgan U.S. Equity Fund: Standard Class |
0.25% |
Lord Abbett Series Fund, Inc. - Bond Debenture Portfolio: Class VC |
0.50% |
Lord Abbett Series Fund, Inc. - Short Duration Income Portfolio: Class VC |
0.50% |
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class VC |
0.50% |
MainStay VP Funds Trust - MainStay VP Floating Rate Portfolio: Initial Class |
0.10% |
MFS® Variable Insurance Trust - MFS Growth Series: Service Class |
0.50% |
MFS® Variable Insurance Trust - MFS Mid Cap Growth Series: Service Class |
0.50% |
MFS® Variable Insurance Trust - MFS New Discovery Series: Service Class |
0.50% |
MFS® Variable Insurance Trust - MFS Total Return Bond Series: Service Class |
0.50% |
MFS® Variable Insurance Trust - MFS Value Series: Service Class |
0.50% |
MFS® Variable Insurance Trust II - MFS Blended Research® Core Equity Portfolio: Service Class |
0.50% |
MFS® Variable Insurance Trust II - MFS Emerging Markets Equity Portfolio: Initial Class |
0.25% |
MFS® Variable Insurance Trust II - MFS International Intrinsic Value Portfolio: Service Class |
0.50% |
MFS® Variable Insurance Trust II - MFS Research International Portfolio: Service Class |
0.50% |
MFS® Variable Insurance Trust III - MFS Global Real Estate Portfolio: Initial Class |
0.25% |
MFS® Variable Insurance Trust III - MFS Limited Maturity Portfolio: Initial Class |
0.25% |
MFS® Variable Insurance Trust III - MFS Mid Cap Value Portfolio: Service Class |
0.50% |
Mutual Fund |
Current Variable Account Asset Charge Reduction |
Morgan Stanley Variable Insurance Fund, Inc. - Emerging Markets Debt Portfolio: Class I |
0.35% |
Morgan Stanley Variable Insurance Fund, Inc. - Global Real Estate Portfolio: Class II |
0.50% |
Morgan Stanley Variable Insurance Fund, Inc. - Growth Portfolio: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Allspring Discovery Fund: Class I |
0.27% |
Nationwide Variable Insurance Trust - NVIT Amundi Multi Sector Bond Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Aggressive Fund: Class I |
0.34% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Balanced Fund: Class I |
0.32% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital Appreciation Fund: Class I |
0.33% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Conservative Fund: Class I |
0.29% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderate Fund: Class I |
0.33% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately Aggressive Fund: Class I |
0.34% |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Moderately Conservative Fund: Class I |
0.31% |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic U.S. Equity Income: Class X |
0.32% |
Nationwide Variable Insurance Trust - NVIT Bond Index Fund: Class I |
0.25% |
Nationwide Variable Insurance Trust - NVIT Calvert Equity Fund: Class I |
0.20% |
Nationwide Variable Insurance Trust - NVIT Columbia Overseas Value Fund: Class X |
0.21% |
Nationwide Variable Insurance Trust - NVIT Government Bond Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Government Money Market Fund: Class V |
0.35% |
Nationwide Variable Insurance Trust - NVIT International Equity Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT International Index Fund: Class I |
0.25% |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Aggressive Fund: Class II |
0.40% |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Conservative Fund: Class II |
0.40% |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderate Fund: Class II |
0.40% |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Aggressive Fund: Class II |
0.40% |
Nationwide Variable Insurance Trust - NVIT Investor Destinations Moderately Conservative Fund: Class II |
0.40% |
Nationwide Variable Insurance Trust - NVIT J.P. Morgan MozaicSM Multi-Asset Fund: Class Y |
0.00% |
Nationwide Variable Insurance Trust - NVIT J.P. Morgan U.S. Equity Fund: Class Y |
0.00% |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large Cap Growth Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Loomis Short Term Bond Fund: Class I |
0.25% |
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund: Class I |
0.25% |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Mid Cap Value Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Cap Growth Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Cap Value Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small Company Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT NS Partners International Focused Growth Fund: Class I |
0.35% |
Nationwide Variable Insurance Trust - NVIT Real Estate Fund: Class I |
0.25% |
Nationwide Variable Insurance Trust - NVIT Small Cap Index Fund: Class Y |
0.10% |
PIMCO Variable Insurance Trust - All Asset Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Global Bond Opportunities Portfolio (Unhedged): Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - High Yield Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Income Portfolio: Institutional Class |
0.20% |
PIMCO Variable Insurance Trust - International Bond Portfolio (U.S. Dollar-Hedged): Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Long-Term U.S. Government Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Low Duration Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Real Return Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Short-Term Portfolio: Administrative Class |
0.35% |
PIMCO Variable Insurance Trust - Total Return Portfolio: Administrative Class |
0.35% |
Schwab Annuity Portfolios - Schwab® S&P 500 Index Portfolio |
0.00% |
T. Rowe Price Equity Series, Inc. - T. Rowe Price All-Cap Opportunities Portfolio |
0.25% |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Blue Chip Growth Portfolio |
0.25% |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Equity Income Portfolio: II |
0.50% |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth Portfolio |
0.25% |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Moderate Allocation Portfolio |
0.25% |
VanEck VIP Trust - VanEck VIP Global Resources Fund: Initial Class |
0.35% |
Mutual Fund |
Current Variable Account Asset Charge Reduction |
Vanguard Variable Insurance Fund - Balanced Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Capital Growth Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Diversified Value Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Equity Income Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Equity Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Global Bond Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Growth Portfolio |
0.00% |
Vanguard Variable Insurance Fund - High Yield Bond Portfolio |
0.00% |
Vanguard Variable Insurance Fund - International Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Mid-Cap Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Real Estate Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Short-Term Investment-Grade Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Small Company Growth Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Total Bond Market Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Total International Stock Market Index Portfolio |
0.00% |
Vanguard Variable Insurance Fund - Total Stock Market Index Portfolio |
0.00% |
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real Estate Securities Series: Class I |
0.25% |
|
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President and Chief Operating Officer and Director |
Carter, John L. |
Executive Vice President-Chief Human Resources Officer |
Clements, Vinita J. |
Executive Vice President-Chief Technology Officer |
Fowler, James R. |
Executive Vice President and Director |
Frommeyer, Timothy G. |
Executive Vice President-Chief Legal Officer |
Howard, Mark S. |
Executive Vice President-Chief Marketing Officer |
Jones, Ramon |
Executive Vice President-Chief Strategy and Corporate Development Officer |
Mahaffey, Michael W. |
Executive Vice President-Chief Customer Officer |
Shore, Amy T. |
Senior Vice President-NF Strategic Customer Solutions |
Ambrozy, Tina S. |
Senior Vice President-Marketing Management - Financial Services |
Bair, Ann S. |
Senior Vice President-Corporate Controller and Chief Accounting Officer |
Benson, James D. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President-Marketing Content & Delivery |
Boyd, Michael A. |
Senior Vice President-Legal – NF |
Boyer, John N. |
Senior Vice President-Chief Diversity & Talent Acquisition Officer |
Bretz, Angela D. |
Senior Vice President-Chief Technology Officer - Nationwide Financial |
Carrel, Michael W. |
Senior Vice President-Chief Investment Officer |
Coleman, Joel L. |
Senior Vice President-Chief Compliance Officer |
Dankovic, Rae Ann |
Senior Vice President-Chief Risk Officer |
Diem, Klaus K. |
Senior Vice President-External Affairs |
English, Steven M. |
Senior Vice President-Trial Division |
Failor, Scott E. |
Senior Vice President-Chief Financial Officer - Nationwide Financial and Director |
Ginnan, Steven A. |
Senior Vice President-Annuity Distribution |
Guymon, Rona |
Senior Vice President-Retirement Solutions Sales |
Hawley, Craig A. |
Senior Vice President-Nationwide Annuity and Director |
Henderson, Eric S. |
Senior Vice President-Corporate Operations & Litigation Legal |
Innis-Thompson, Janice |
Senior Vice President-Investment Management Group |
Jestice, Kevin T. |
Senior Vice President-Internal Audit |
Jordan, Gregory S. |
Senior Vice President-Chief Innovation and Digital Officer |
Kandhari, Chetan D. |
Senior Vice President-Corporate Development |
Klett, Angela C. |
Senior Vice President-Chief Technology Officer - Corporate Technology |
Kolp, Melanie A. |
Senior Vice President and Treasurer |
LaPaul, David |
Senior Vice President-Chief Information Security Officer |
Lukens, Todd |
Senior Vice President-Marketing Management - P&C |
MacKenzie, Jennifer B. |
Senior Vice President-IT Chief Financial Officer, Procurement & BTO |
O'Brien, Kevin G. |
Senior Vice President-Corporate Solutions |
Perez, Juan J. |
Senior Vice President-Talent & Organization Effectiveness |
Pheister, Erin R. |
Senior Vice President-Chief Technology Officer - Technology Strategy, Data & Innovation |
Richardson, Michael A. |
Senior Vice President-Nationwide Retirement Institute |
Rodriguez, Kristi L. |
Senior Vice President-Corporate Real Estate |
Sherry, Kieran P. |
Senior Vice President-Finance & Strategy Legal and Corporate Secretary |
Skingle, Denise L. |
Senior Vice President-Nationwide Life and Director |
Snyder, Holly R. |
Senior Vice President-Human Resources - IT & Legal |
Sorrell, Gary A. |
Senior Vice President-Retirement Solutions |
Stevenson, Eric |
Senior Vice President-Chief Advanced Analytics Officer |
Terry, Shannon |
Senior Vice President-Chief Technology Officer - Infrastructure & Operations |
Vasudeva, Guruprasad C. |
Senior Vice President-Human Resources - NF |
Webster, Cynthia S. |
Director |
Walker, Kirt A. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Financial Services, Inc. |
Delaware |
The company acts primarily as a holding company for companies within the Nationwide organization that offer or distribute life insurance, long-term savings and retirement products. |
NFS Distributors, Inc. |
Delaware |
The company acts primarily as a holding company for Nationwide Financial Services, Inc. companies. |
Nationwide Financial General Agency, Inc. |
Pennsylvania |
The company is a multi-state licensed insurance agency. |
Nationwide Fund Distributors, LLC |
Delaware |
The company is a limited purpose broker-dealer. |
Nationwide Fund Management, LLC |
Delaware |
The company provides administration, transfer and dividend disbursing agent services to various mutual fund entities. |
Nationwide Retirement Solutions, Inc. |
Delaware |
The company markets and administers deferred compensation plans for public employees. |
Nationwide Securities, LLC |
Delaware |
The company is a general purpose broker-dealer and investment adviser registered with the Securities and Exchange Commission. |
Nationwide Trust Company, FSB |
Federal |
This is a federal savings bank chartered by the Office of Thrift Supervision in the United States Department of Treasury to exercise deposit, lending, agency, custody and fiduciary powers and to engage in activities permissible for federal savings banks under the Home Owners’ Loan Act of 1933. |
Nationwide Financial Services Capital Trust |
Delaware |
The trust’s sole purpose is to issue and sell certain securities representing individual beneficial interests in the assets of the trust |
525 Cleveland Avenue, LLC |
Ohio |
This is a limited liability company organized under the laws of the State of Ohio. The company was formed to provide remedial real property cleanup prior to sale. |
Nationwide Life Insurance Company 2 |
Ohio |
The corporation provides individual life insurance, group and health insurance, fixed and variable annuity products and other life insurance products. |
Jefferson National Financial Corporation3 |
Delaware |
A stock corporation. The corporation is the holding company of Jefferson National Life Insurance Company, Jefferson National Life Insurance Company of New York, and JNF Advisors, Inc., offering annuity products and services. |
Jefferson National Life Insurance Company2,3 |
Texas |
The company provides life, health and annuity products. |
Jefferson National Life Annuity Company C2,3 |
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account E2,3 |
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account F2,3 |
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account G2,3 |
|
A separate account issuing variable annuity products. |
Jefferson National Life Insurance Company of New York2,3 |
New York |
The company provides variable annuity products. |
Jefferson National Life of New York Annuity Account 12,3 |
|
A separate account issuing variable annuity products. |
MFS Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Multi-Flex Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-II2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-32,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-42,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Nationwide Variable Account-52,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-62,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-72,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-82,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-92,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-102,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-112,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-122,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-132,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-142,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-152,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable annuity contracts. |
Nationwide VLI Separate Account2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-22,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-32,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-42,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-52,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-62,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-72,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account 12,3 |
Pennsylvania |
A separate account issuing variable life insurance policies. |
Nationwide Investment Services Corporation3 |
Oklahoma |
This is a limited purpose broker-dealer and distributor of variable annuities and variable life products for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. The company also provides educational services to retirement plan sponsors and its participants. |
Nationwide Financial Assignment Company3 |
Ohio |
The company is an administrator of structured settlements. |
Nationwide Investment Advisors, LLC3 |
Ohio |
The company provides investment advisory services. |
Eagle Captive Reinsurance, LLC3 |
Ohio |
The company is engaged in the business of insurance |
Nationwide Life and Annuity Insurance Company2,3 |
Ohio |
The company engages in underwriting life insurance and granting, purchasing and disposing of annuities. |
Nationwide VA Separate Account-A2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-B2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-C2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-D2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account A2,3 |
Delaware |
A separate account issuing variable annuity contracts. |
Nationwide VL Separate Account-C2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-D2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-G2,3 |
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account A2,3 |
Delaware |
A separate account issuing variable life insurance policies. |
Olentangy Reinsurance, LLC3 |
Vermont |
The company is a captive life reinsurance company. |
Nationwide SBL, LLC |
Ohio |
The company is a lender offering securities-back lines of credit. |
Company |
Jurisdiction of Domicile |
Brief Description of Business |
Registered Investment Advisors Services, Inc. |
Texas |
The company is a technology company that facilitates third-party money management services for registered investment advisors |
Nationwide Fund Advisors4 |
Delaware |
The trust acts as a registered investment advisor. |
Jefferson National Life Annuity Account C |
Nationwide Variable Account-14 |
Jefferson National Life Annuity Account E |
Nationwide Variable Account-15 |
Jefferson National Life Annuity Account F |
Nationwide VA Separate Account-A |
Jefferson National Life Annuity Account G |
Nationwide VA Separate Account-B |
Jefferson National Life of New York Annuity Account 1 |
Nationwide VA Separate Account-C |
MFS Variable Account |
Nationwide VA Separate Account-D |
Multi-Flex Variable Account |
Nationwide VLI Separate Account |
Nationwide Variable Account |
Nationwide VLI Separate Account-2 |
Nationwide Variable Account-II |
Nationwide VLI Separate Account-3 |
Nationwide Variable Account-3 |
Nationwide VLI Separate Account-4 |
Nationwide Variable Account-4 |
Nationwide VLI Separate Account-5 |
Nationwide Variable Account-5 |
Nationwide VLI Separate Account-6 |
Nationwide Variable Account-6 |
Nationwide VLI Separate Account-7 |
Nationwide Variable Account-7 |
Nationwide VL Separate Account-C |
Nationwide Variable Account-8 |
Nationwide VL Separate Account-D |
Nationwide Variable Account-9 |
Nationwide VL Separate Account-G |
Nationwide Variable Account-10 |
Nationwide Provident VA Separate Account 1 |
Nationwide Variable Account-11 |
Nationwide Provident VA Separate Account A |
Nationwide Variable Account-12 |
Nationwide Provident VLI Separate Account 1 |
Nationwide Variable Account-13 |
Nationwide Provident VLI Separate Account A |
President and Director |
Ambrozy, Tina S. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Tax |
Eppley, Daniel P. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Chief Compliance Officer |
Rabenstine, James J. |
Vice President-CFO – Life Insurance |
Wild, Keith D. |
Associate Vice President and Treasurer |
Roswell, Ewan T. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President and Assistant Treasurer |
Reese, John A. |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Bowman, Heidi |
Assistant Secretary |
Dokko, David |
Assistant Secretary |
Hartman, Mark E. |
Director |
Henderson, Eric S. |
Director |
Stevenson, Eric |
Name of Principal Underwriter |
Net Underwriting Discounts |
Compensation on Redemption |
Brokerage Commissions |
Other Compensation |
Nationwide Investment Services Corporation |
N/A |
N/A |
N/A |
N/A |
Nationwide VLI Separate Account-4 |
(Registrant) |
Nationwide Life Insurance Company |
(Depositor) |
By: /s/ Paige L. Ryan |
Paige L. Ryan Attorney-in-Fact |
JOHN L. CARTER |
|
John L. Carter, President and Chief Operating Officer and Director |
|
HOLLY R. SNYDER |
|
Holly R. Snyder, Senior Vice President and Director |
|
TIMOTHY G. FROMMEYER |
|
Timothy G. Frommeyer, Executive Vice President and Director |
|
ERIC S. HENDERSON |
|
Eric S. Henderson, Senior Vice President-Nationwide Annuity and Director |
|
STEVEN A. GINNAN |
|
Steven A. Ginnan, Senior Vice President-Chief Financial Officer-Nationwide Financial and Director |
|
KIRT A. WALKER |
|
Director |
|
|
By: /s/ Paige L. Ryan |
|
Paige L. Ryan Attorney-in-Fact |