Tax-inefficient funds better suited in a flat-fee VA: Bonds Emerging Markets Bonds PIMCO VIT Emerging Mkts Bond High Yield Bonds AIM V.I. High Yield DireXion Dyn VP HY Bnd Fed. High Income Bond Legg Mason PV Global Hi Yld Bnd Lehman Brothers High Income Bond Lord Abbett Bond Debenture PIMCO VIT High Yield Pioneer Global High Yield Pioneer High Yield Inflation Protected Bonds Amer. Cent. VP Inflation Protect PIMCO VIT Real Return Intermediate Government Bonds AIM V.I. Government Securities Intermediate Government Bonds AIM V.I. Government Securities Nationwide Bond Index PIMCO VIT Total Return Pioneer Bond Fund Vanguard Total Bond Market Long Government Bonds PIMCO VIT Long-Term U.S. Gov't Rydex Gov Long Bond 1.2x Strategy Long Government Bonds JNF Loomis Sayles Bond gg Legg Mason PV Strategic Bond I Pioneer Strategic Income Bonds Short-Term Bonds Lehman Brothers Short Duration Bond PIMCO VIT Low Duration Portfolio T. Rowe Price Limited-Term Bond Vanguard Short-Term Investment Grade Ultrashort Bonds PIMCO VIT Short-Term World Bonds PIMCO VIT Foreign Bond PIMCO VIT Global Bond Rydex Strength Dollar 2x Strategy Van Eck Worldwide Bond Commodities Funds PIMCO VIT CommodityRealReturn Rydex VT Commodities Strategy Real Estate Funds PIMCO VIT Foreign Bond PIMCO VIT Global Bond Rydex Strength Dollar 2x Strategy Van Eck Worldwide Bond Money Market JNF Money Market Rydex U.S. Gov't Money Market Conservative Allocation Funds Federated Mkt. Opport. Fund Ibbotson Conservat. ETF Allocation Ibbotson Incm&Grth ETF Allocation Rydex VT EP Conservative Actively-Traded Strategies Any portfolio that is actively traded To learn more, call our Advisor Support Desk at 1-800-WHY-FLAT. Or visit www.jeffnat.com. death benefit is available for an additional fee. Please see prospectus for details. 2 The IRS may charge a 10% tax penalty on any withdrawal made before age 59½. Monument Advisor is issued by Jefferson National Life Insurance Company (Dallas, TX) and is distributed by Jefferson National Securities Corporation, FINRA member. Monument Advisor is available by prospectus only. Policy series 2300-1, 2300-2. FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC USE.http://www.jeffnat.com http://www.jeffnat.com