Crediting rates notice:
The Board of Trustees, at the recommendation of Deutsche Bank Advisors, changed the schedule of adjustments to the blended crediting rate for the Investment Contract Pool from quarterly to monthly beginning January 2009. This change is designed to smooth out potential volatility in future crediting rate adjustments. New monthly crediting rates will be posted by the beginning of the effective month and will be available via Nationwide Retirement Solutions, by toll free calls to the automated response system at 1-800-545-4730, or by telephone calls to the Team MSRP Customer Service Center at the same number, 1-800-545-4730 between the hours of 9 am and 9pm, Monday through Friday.