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ProvConnect

TERMS AND CONDITIONS

IMPORTANT LEGAL INFORMATION

This portion of our website (www.MyNFN.com.com/provconnect/) is made available as a service only to holders of life insurance policies and annuity contracts issued by Nationwide Mutual Insurance Company and its affiliates ("Nationwide") With the benefit of a rich and proud heritage in the world of financial and insurance services, Nationwide has built a strong reputation of strength, stability and sound management. It is the intention of Nationwide to preserve and promote that reputation on this site to the benefit of our customers, clients and friends.


CONDITIONS OF USE
This ProvConnect portion of this Nationwide website is only accessible though use of a Password and User ID. Through it, Nationwide gives customers access to important information concerning their insurance policies and annuity contracts. Because Nationwide maintains important personal information about customers and provides such information to its customers through this portion of the website, Nationwide provides these separate Conditions of Use for activities occurring on this portion of the website. By using this portion of the site, you indicate your agreement to the following Conditions of Use without any limitation or qualification. Please read these conditions carefully before using this site. Nationwide may at any time revise these terms and conditions by updating these materials. You are bound by any such revisions and should therefore regularly visit this page to review the then current terms and conditions to which you are bound.


USE OF PASSWORD WITH USER ID
To log on to use ProvConnect you will be asked to enter your User Id into a box identified as User ID. The first time you log on you will also be asked to enter the Password which is contained in the letter we have sent you about this website. After you logon ProvConnect for the first time you will be able to change your Password. Your Password should be kept confidential by you at all times. Each time you log on to ProvConnect thereafter you will be asked to enter your User ID and Password. By your use of the User ID and Password, you acknowledge that such use constitutes your signature, identifies you or an authorized user to us and authenticates and validates the requests for confidential information or directions given to us just as your actual signature and other proof identify you and authenticate and validate your requests and directions given to us in writing or by telephone. Further, you understand that the nature of the information you are requesting is personal and confidential and agree that if we furnish it to you over ProvConnect, as you request, we shall be fulfilling our obligations to you of confidentiality and non-disclosure of personal information to others.


USE OF E-MAIL
When you use e-mail to contact us through the ProvConnect website, your e-mail will be encrypted with the same security method as used on the site. However, when we use e-mail to answer your request, our e-mail response to you will not be encrypted. Therefore, it may be possible for other people to see what we are sending to you, including the possibility of personal and confidential information contained in the response. If you prefer to avoid the possibility of an e-mail response being seen by others, we will be glad to mail a written response to you at your address, as maintained in our records. In such circumstance, please make your request for a mailed response in the e-mail you send to us requesting the information.


PRIVACY AND CONFIDENTIALITY
Nationwide shall exercise reasonable precautions to maintain the confidentiality of information provided by you in connection with accessing this site. The type of information that you may request about your policies or annuities with us and directions that you give to us through this website may be highly personal and confidential; therefore, for this website we have taken steps to use the reasonable levels of security provided by the latest versions of the most commonly used browsers. However, because our responses to your requests are not encrypted, no assurance can be given to you that this information will remain secure during the period it is transmitted through the Internet. If you prefer to avoid the possibility of an e-mail response being seen by others, please follow the directions set forth in the section above entitled, "USE OF E-MAIL".

Nationwide may, at times, disclose such information to its employees, representatives, officers, agents or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose.

We may use non-identifying and aggregate information to improve the design and functioning of our website. For example, we collect information about the version of browsers that lead users to our site. We also track information about the number of electronic visits to our site. These aggregate statistics are used internally to provide effective service to the public and may be provided to others, but the statistics contain no personal information and cannot be used to gather any such information. We also collect aggregate statistics about the types of information requested and directions given to us by users of ProvConnect. Further, Nationwide uses e-mail addresses to answer the e-mail that it receives. Such addresses are not used for any other purposes and are not shared with third parties.

In order to respond to information requests and fulfill directions given to us, this ProvConnect portion of our site does collect personally identifiable information about users that is intentionally provided to us by a user. Such personally identifiable information is not used for other purposes.


JURISDICTIONAL ISSUES
This website is controlled and operated by Nationwide from its offices within the State of Ohio, United States of America. Nationwide makes no representation that materials on this site are appropriate or available for use in any other locations. Those who choose to access this site from other locations do so of their own initiative and are responsible for compliance with local laws.


NOT AN OFFER TO SELL OR A SOLICITATION TO BUY
The information contained on this restricted access website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance, securities or other laws of the jurisdiction. Some insurance and securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside the United States of America. In addition, any mutual funds or variable insurance products or variable annuity contracts referred to on this website may be offered and sold only to persons in the United States of America. These products are distributed by Nationwide Securities, LLC, a Nationwide® Financial company, whose principal business address is P.O. Box 183137, Columbus, Ohio 43218-3137.


DISCLAIMER
THE MATERIALS ON THIS PORTION OF THE WEBSITE, WWW.MyNFN.COM/PROVCONNECT/, ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Nationwide does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. NAATIONWIDE DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. You (and not Nationwide) assume the entire cost of all necessary servicing, repair, or correction. Links to other sites can be accessed through this site. Such external internet addresses contain information created, published, maintained or otherwise posted by organizations independent and not under control of Nationwide. Nationwide does not endorse, approve or certify any information, product or service referenced or provided at such addresses. The material on this website is provided for informational purposes only and it is not intended and should not be construed as legal, tax or other professional advice. It is not a substitute for obtaining legal, tax or other professional advice from a competent, independent adviser in your jurisdiction.


LIMITATION OF LIABILITY
While Nationwide uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur. Nationwide makes no warranties or representations as to the accuracy of the materials on this website or the information regarding your life policy or annuity contract provided to you through ProvConnect at your request. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE BY ACT OR OMISSION, SHALL NATIONWIDE OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS WEBSITE OR THE INFORMATION YOU REQUEST ABOUT YOUR LIFE POLICY OR ANNUITY CONTRACT THROUGH PROVCONNECT BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS WEBSITE OR THE REQUESTED INFORMATION PROVIDED TO YOU THROUGH THIS WEBSITE, EVEN IF NATIONWIDE OR A NAATIONWIDE AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. In no event shall Nationwide's total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website. Nationwide assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.


RESTRICTIONS ON USE OF MATERIALS
This site is owned and operated by Nationwide Life Insurance Company. Permission is granted to access and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited. Except as otherwise permitted by Nationwide, no materials from www.mynfn.com, www.mynfn.com/provconnect/ or any other website owned, operated, licensed or controlled by Nationwide may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, adapt or create derivative works, retransmit, reuse, re-post, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without Nationwide's written permission. Nationwide neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with Nationwide.


TRADEMARKS/SERVICE MARKS AND COPYRIGHTS
Images displayed on this website are either the property of, or used with permission by, Nationwide. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. All trademarks, service marks, trade names, logos, and icons used by Nationwide or any Nationwide SM affiliated company are proprietary to Nationwide. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or service mark displayed on this Website without the written permission of Nationwide or such third party that may own the trademarks or service marks displayed on this website. Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of Nationwide's trademarks, service marks, trade names, logos, icons, copyrights or other intellectual property should be addressed to the Nationwide Office of General Counsel, One Nationwide Plaza 1-35-204, Columbus, OH 43215, United States of America. Any communications or material you transmit to this website, other than requests for specific information about your life policy or annuity contract, by electronic mail or otherwise, including data, questions, comments, or suggestions, will not be treated as confidential or as proprietary and will become the property of Nationwide . Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, Nationwide is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.


TRADEMARK/SERVICE MARK NOTICES
All trademarks, service marks, trade names and logos used by Nationwide are proprietary to Nationwide. We are very protective of our trademarks and service marks. If they have not been registered with the United States Patent and Trademark Office, then we have applications pending for and/or claim common law rights in all such marks. All use of these marks must be with our permission. We will file appropriate legal actions to enjoin the unauthorized use of these marks. Under the law, we would be entitled to collect your profits, our actual damages and, perhaps, even our attorneys' fees and statutory damages. We thank you for your cooperation.


MODIFICATIONS TO CONDITIONS AND THE WEBSITE
Nationwide may at any time exercise its right to make modifications and corrections to these conditions. To the extent that Nationwide makes changes, such changes will be set forth on the website. You are bound by any such revisions and should regularly visit this page to review the then current terms and conditions to which you are bound. Nationwide may modify, suspend or discontinue its activities at the website at any time.


TERMINATION
If you are dissatisfied with any portion of the site, or with any conditions of use contained herein, your sole remedy is to discontinue use of this site.

NFN-0515AO-PG.1(05/10)





Regular Mail
Nationwide Financial Service Relations
Overnight Mail
Nationwide
P.O. Box 182021 3400 Southpark Place Ste A
Columbus, OH 43272 DSPF-D4
Grove City, Ohio 43123-4856

© 2019 Nationwide Mutual Insurance Company. All Rights Reserved.
Important Legal Information.
Nationwide Home Page: http://www.nationwide.com.




NFW-2823AO.2 (04/15)