| Nationwide® IUL Accumulator II 2020 Nationwide® IUL Protector II 2020 | Indexed interest strategy — all one-year segments | Cap/spread rate | Strategy charge | Maximum Illustrated Rate | Multi-Index Monthly Average | 11.00% | 0% | 5.92% | S&P 500® Annual Point-to-Point | 9.50% | 0% | Uncapped S&P 500® Annual Point-to-Point | 7.5% spread | 0% | High-cap Multi-Index Monthly Average | 20.00% | 1% | 6.99% | High-cap S&P 500® Annual Point-to-Point | 12.50% | 1% |
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