Competitive pricing and new, innovative investment options

The Series provides a simplified structure for 9 index-based target date collective investment funds, and access to institutional pedigree from industry-leading partners, all at reduced cost. With a NCIT Index Series fund, participants can:

• Diversify with a single choice
• Seek out the right cost-to-value
• Balance returns with carefully managed risk

To learn more about the NCIT Index Series, download our Highlights sheet.

Target Date Funds Generally: The target date is the approximate date when investors plan to start withdrawals. The funds offer continuous rebalancing over time to become more conservative as investors approach their planned retirement date. A target date fund's stated asset allocation may be subject to change. Investments in these options are not guaranteed and an investor may experience losses, including losses near, at, or after the target date. Additionally, there is no guarantee that the options will provide adequate income at and through an investor's retirement. These options should not be selected solely on a single factor such as age or retirement date. Please consult the fact sheet pertaining to the target date options to determine if their glide path is consistent with your long-term financial plan.

Collective Investment Trusts Generally: Collective Investment Trusts (CITs) are available only to qualified plans and governmental 457(b) plans. They are not mutual funds and are not registered with the Securities and Exchange Commission under the Securities Act of 1933, as amended, or the Investment Company Act of 1940. CIT investments are not insured by the FDIC or any other government agency, are not deposits of, or other obligation of, or guaranteed by any other bank or entity, and are subject to risks, including possible loss of the principal amount invested.

FlexFocus Funds: Investment Advisory Services are offered through flexPATH Strategies, LLC. Kestra Securities (IS) is not affiliated with any other entity listed herein. Each fund within the FlexFocus Funds may invest in a fixed annuity contract issued by Nationwide Life Insurance Company. Guarantees are subject to the claims paying ability of Nationwide Life Insurance Company.

NCIT Index Series (the Funds): Each Fund may invest in a fixed investment contract (the Contract) issued by Nationwide Life Insurance Company (Nationwide Life), an affiliate of the Funds' investment adviser, Nationwide Fund Advisors (NFA). Global Trust Company (GTC), the trustee of the Nationwide Collective Investment Trust, determines whether each Fund will invest in the Contract, and, if so, the percentage of each Fund's assets to be allocated to the Contract. GTC allocates the remaining assets of each Fund to NFA, for which NFA makes both the asset allocation and underlying fund selection decisions. If Nationwide Life becomes unable to meet the Contract terms, a Fund that invests in the Contract may lose money from unpaid principal or unpaid or reduced interest. Neither the Funds, NFA, Nationwide Life, nor any of their affiliates guarantees a Fund's performance or that a Fund will provide a certain level of income.

Neither Nationwide nor any of its affiliates are related to or affiliated with flexPATH Strategies, LLC, Kestra Securities, Blackrock, Wilmington Trust or American Century.

Flex Focus, powered by FlexPath, is the next chapter in target date funds. Available exclusively to Nationwide^® retirement plans, this suite offers three glide paths, allowing individual participants to select the one glide path and target date best-suited to address their unique retirement needs. In addition, the Flex Focus Series features:

• Management from industry pioneers
  • BlackRock
  • flexPATH Strategies LLC
  • Wilmington Trust
• A competitive expense structure
• A stable value asset class to help manage market volatility

To learn more about the Flex Focus Series, download the Product Details sheet.

The American Century collective investment trusts are target-date portfolios designed to meet the needs of a wide range of participants. The series offers:

• The alpha potential of active management
• Glide paths designed for more consistent retirement outcomes
• Broad diversification across equity and fixed income categories