S&P 500^® Distance
Stabilizer Index¹

¹ The full name of the S&P 500^® Distance Stabilizer Index is S&P 500^® Distance Stabilizer TCA Index (USD) ER.

² The Index is an excess return index which reduces the performance of the S&P 500^® Total Return Index by short-term interest rates. As a result, the index could generate negative returns in high-interest rate environments. In extreme prolonged volatile markets, the index could not have any exposure to the S&P 500^® and could underperform, including in periods where markets are trending upwards.

³ The return 12/4/96 – 12/31/96 was -0.11% cumulative.

This material is not a recommendation to buy or sell a financial product or to adopt an investment strategy. Investors should discuss their specific situation with their financial professional.

Nationwide New Heights Select is a single premium, fixed indexed deferred annuity issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Fixed annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Please read the contract for complete details.

Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% federal tax penalty.

New Heights Select does not directly participate in the stock market or any index. It is not possible to invest in an index. Neither Nationwide nor any of its affiliates are related to or affiliated with the S&P 500.

The “S&P 500^®” and the “S&P Distance Stabilizer TCA Index” are Products of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by Nationwide Life and Annuity Insurance Company (“Nationwide”). S&P^®, S&P 500^®, US 500, The 500, iBoxx^®, iTraxx^® and CDX^® are trademarks of S&P Global, Inc. or its affiliates (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Nationwide. Nationwide New Heights^® Select is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none of such parties make any representation regarding the advisability of investing in such Product(s) nor do they have any liability for any errors, omissions, or interruptions of the Products.

The S&P 500^® Distance Stabilizer TCA Index (USD) ER is an excess return index. Indexes calculated on an excess return basis include calculation elements that reduce index performance. Because of this, an excess return version of an index will have lower performance than a total return version of the same index would, especially in high interest rate environments. Some excess return indexes also deduct a notional charge(s) in calculating index performance. This deduction(s) will reduce the potential positive change in index performance and increase the potential negative change in the index performance.

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