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The Nationwide® Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB a division of Nationwide Bank®. Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220.

Morningstar® 3(21) Fiduciary Services provided by Morningstar Associates, LLC. Neither Nationwide nor any of its affiliates are related to, or affiliated with Morningstar Associates. Nationwide is not responsible for Morningstar Associates' content.

Morningstar® 3(21) Fiduciary Services may also be referred to as Morningstar 3(21) Services due to space constraints.

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