PARTICIPANTFEEDISCLOSURE VARIABLEOPTIONSFEESANDEXPENSES (continued) FundName/ Gross Net Expense Explicit Asset Total Annual Cost Per Collective Investment Fund Name Expense Fee Operating Ratio Ratio Expenses $1,000 Vanguard(R) Explorer(TM) Fund - Admiral(TM) 0.34% 0.34% 0.10% 0.44% $4.40 Shares Vanguard(R) Small-Cap Index Fund - 0.05% 0.05% 0.10% 0.15% $1.50 Admiral(TM) Shares Mid Cap American Century Mid Cap Value Fund - Class 0.63% 0.63% 0.10% 0.73% $7.30 R6 Carillon Eagle Mid Cap Growth Fund - Class R6 0.64% 0.64% 0.10% 0.74% $7.40 Vanguard(R) Mid-Cap Index Fund - Admiral(TM) 0.05% 0.05% 0.10% 0.15% $1.50 Shares Large Cap Fidelity 500 Index Fund 0.02% 0.01% 0.10% 0.12% $1.15 Fidelity Large Cap Growth Index Fund 0.04% 0.03% 0.10% 0.14% $1.35 Vanguard Equity-Income Admiral Shares 0.18% 0.18% 0.10% 0.28% $2.80 Bonds Janus Henderson Developed World Bond Fund - 0.69% 0.57% 0.10% 0.79% $7.90 Class I PIMCOIncomeFund:Institutional Class 0.83% 0.83% 0.10% 0.93% $9.30 TCWMetWestTotalReturnBondFund-ClassP 0.37% 0.37% 0.10% 0.47% $4.70 Shares Short-Term Investments Principal Funds, Inc. - Short-Term Income Fund - 0.41% 0.41% 0.10% 0.51% $5.10 Institutional Class FIXEDOPTIONFEESANDEXPENSES Thetable below shows your investment options that have a fixed rate of return. It also includes any trade restrictions on the fixed investment options, if applicable. Gross Explicit Asset Total Annual Name Expense Net Expense Operating Cost Per Ratio Ratio Fee Expenses $1,000 Fixed Assets/Cash Nationwide True-Flex Fund N/A N/A 0.10% 0.10% $1.00 Thecumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor's Web site for an example showing the long-term effect of fees andexpensesat http://www.dol.gov/ebsa/publications/401k_employee.html. Fees and expenses are just two of many factors to consider when you decide to put money in an investment option. You may also want to think about whether investing in a particular option, along with your other investments, will help you achieve your financial goals. Page 10 of 11