1. Understanding your retirement account statement
Thank you for coming to today’s presentation on how to understand your retirement plan account with Nationwide’s services. My goal is to help you make the most of your retirement plan.
Before we begin, you need to know that neither Nationwide® nor any of its representatives give tax or legal advice. For such guidance, please contact your tax or legal advisor.

2. Please read this important information.

3. Today, I will be walking you through a sample statement
Today, I will be walking you through a sample statement. Your statement contains your Social Security number, account number and a high-level overview of your account. Your statement also includes a quarterly summary of how your investment choices performed, including your personal rate of return.
You’ll also see a summary of any activity in your account, including contributions, exchanges and withdrawals. You’ll see the investment performance of the funds you are invested in. You should review your statement each quarter and make any adjustments necessary to stay on track.

4. The front page includes your basic account information
General account information
The front page includes your basic account information
This is a sample of what your statement will look like. On the front page, in the “Your Account at a Glance” box, you will see
How much money you started with at the beginning of the quarter
How much money you contributed during the quarter
Any additional credits or debits to your account
How much your investments gained or lost
If you have any outstanding loans
How much money was in your account at the end of the quarter
The “Asset Class” box will show the different kinds of assets you’ve invested in and what percentage of your money is in each asset. Keep in mind that what you see on the screen is a sample and your information will vary.
In the upper right hand side of the screen, you’ll see how your account has done in recent months. And the lower right gives you a different view, in a pie chart, of how your funds are allocated.

5. See your fund balances and activity by asset class
This section shows the activity in each investment option, sorted by asset class. You’ll notice that your vesting percentage is listed at the top. The money you decide to contribute from your paycheck is 100% yours automatically. But your employer may opt to match some of your contribution. This money is yours after a certain period of time. Once you're fully vested, you can take the entire company match with you if you decide to leave the company.
You can see:
Your beginning balance in each asset class
Your contribution amount, as well as your employer’s if they offer a company match
You’ll also see any trade activity and balance for the end of the reporting period

6. Review your expenses for the quarter6
Understanding your account statement
Fees and expenses
Review your expenses for the quarter
This section of the statement explains fee disclosure regulations that require you to receive information on these types of fees. You’ll be able to see your administrative expenses — legal, accounting and record-keeping — as well as those charged for various account activities such as loan fees or exchange fees. You’ll also see your fee for the use of our Managed account services if you chose to do so.

7. Analyze your investments’ returns
Performance information
Analyze your investments’ returns
Your statement provides each investment’s gross expense ratio, which is the total percentage of the investment's assets that are devoted to administering the investment.
You’ll also see the returns for the following periods: year-to-date, 12-month, three-year, five-year, 10-year and since inception. Of course, you need to remember that past performance does not guarantee future returns on your investment.

8. Learn about market volatility
Performance information
Learn about market volatility
Your statement also includes an “Understanding Risks” section, which reminds you that stock markets are volatile and can decline in response to adverse developments.
Some of the risks associated with investing are:
Portfolios that invest in high yield securities are subject to greater credit risk and price fluctuations than portfolios that invest in higher quality securities.
2. Investing internationally involves risks not associated with investing solely in the U.S., such as currency fluctuation, political risk, differences in accounting and the limited availability of information.
Stocks of small or emerging companies may have less liquidity than those of larger, established companies and may be subject to greater price volatility and risk than the overall stock market.
4. An investment in a money market fund is not insured or guaranteed by the FDIC or any other government agency. Although the money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
*Source for index data: Commodity Systems, Inc.

9. View your transaction history9
How to read your account statement
Understanding your account statement
Performance information
View your
transaction history
This last section of your statement shows you every transaction by date, what the transaction was and the amount of the transaction.
In summary, to help achieve long−term retirement security, you should give careful consideration to the benefits of a well−balanced and diversified investment portfolio. If you invest more than 20% of your retirement savings in any one company or industry, your savings may not be properly diversified. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk.
No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment options under the plan to help ensure that your retirement savings will meet your retirement goals.

10. Check your statements online or by hard copy
Performance information
Check your statements online or by hard copy
Your hard copy statement will be mailed to you quarterly. Or, you can review your statement online, any time, with the “Statement & Tax Documents link.” You can review the most current statement or the past quarter’s statements. Check it out at nationwide.com/myretirement or call for help.

11. Points to remember The front page includes basic account information11
Summary
Points to remember
The front page includes basic account information
Expenses and investment returns are provided
You can review fund balances and activity by asset class
Statements are available online or by hard copy
Remember these important points that we’ve covered today.

12. Thanks for your time today
Thanks for your time today. I hope you found this information helpful in making the most of your retirement plan account. For more information, log into your account or contact a Nationwide representative or your Financial Advisor.