PARTICIPANTFEEDISCLOSURE GROSSEXPENSERATIO:Thepercentageoffundassetspaidforoperatingexpensesand managementfees,including 12-b-1 fees, administrative fees, and all other asset-based costs incurred by the fund, except brokerage costs. Fund expenses are reflected in the fund's net asset value (NAV). Additional information can be found in the applicable fund prospectus. NETEXPENSERATIO:Thenetprospectusexpenseshownisafterfundmanagementexpensewaivers or reimbursements. For more information about management expense waivers or reimbursements, please see the fund profile. EXPLICITASSETFEE:Thisfeepaysforservicesprovided by Nationwide including access to a wide array of investment options, recordkeeping platform, customer service, etc. The Annual Operating Expenses section is inclusive of the Explicit Asset Fee. Additional details regarding this fee can be found in the Administrative Fee section of Participant Fee Disclosure. The Explicit Asset Fee is assessed monthly from plan assets and payments are made to Nationwide Trust Company. TOTALANNUALOPERATINGEXPENSES:ThisisthesumoftheGrossExpenseRatioandtheExplicit Asset Fee. Nationwide Retirement Solutions, Inc. and its affiliates (Nationwide) offer a variety of investment options to public sector retirement plans through variable annuity contracts, trust or custodial accounts. Nationwide may receive payments from mutual funds or their affiliates in connection with those investment options. Additionally, Nationwide may enter into arrangements to allocate all or a portion of these payments to plan sponsors for plan expenses. For more detail about the payments Nationwide receives, please visit www.nrsforu.com. Certain underlying investment options are not publicly traded mutual funds and are not available directly for purchase by the general public. They are only available through variable annuity/variable life insurance policies issued by life insurance companies or in some cases, through participation in certain qualified pension or retirement plans. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2024 Nationwide NRM-13483AO.4 Page 11 of 11