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TABLE OF CONTENTS <br />CONTRACT SPECIFICATIONS PAGE .................. <br />DEFINITIONS....................................................... <br />....................................................... INSERT <br />.................................................................................... 3 <br />GENERAL PROVISIONS...................................................................................................................................4 <br />Entire Contract <br />Non -Participating <br />Incontestability <br />Assignment <br />Communication <br />Alteration or Modification <br />Plan Amendment <br />Number <br />CONTRACTEXPENSES....................................................................................................................................5 <br />Contract Maintenance Charge <br />Participant Account Charge <br />Plan Expenses and Additional Service Fees <br />Additional Expense Charges <br />Premium Taxes <br />INTEREST CREDITING UNDER THE CONTRACT....................................................................................6 <br />Guaranteed Interest Rates <br />Crediting Interest to the Contract <br />Calculating the Contract Value <br />Calculating a Participant Account Value under the Contract <br />PURCHASEPAYMENTS...................................................................................................................................7 <br />Acceptance of Purchase Payments <br />Processing of Purchase Payments <br />Crediting and Recapture <br />PARTICIPANTACCOUNTS.............................................................................................................................8 <br />EXCHANGES AND TRANSFERS.....................................................................................................................8 <br />General Information Regarding Exchanges and Transfers <br />Sixty Month Exchange or Transfer Program <br />PARTICIPANT BENEFIT PAYMENTS.........................................................................................................10 <br />Retirement Income Payment Options <br />Death of a Participant <br />Death of a Retired Participant <br />Involuntary Cash -Outs of Participant Accounts <br />Misstatement of Age <br />Other Participant Benefit Payments <br />TERMINATION AND WITHDRAWALS.......................................................................................................11 <br />Termination by the Contract Owner <br />Termination by Nationwide <br />Payment of the Withdrawal Value <br />Recapture of Acquisition Expenses <br />EXHIBIT A: MARKET VALUE ADJUSTMENT ASSUMPTIONS & FORMULA..................................13 <br />NRC-0110FL 2 (Florida) (4/2011) <br />